Florida Hometown Heroes Program

Program Update: November 3, 2023 - an additional $36 million in funds are available on a first-come, first-serve basis. Request a quote today before funds run out.

On July 1, 2023, the Florida Hometown Heroes Loan Program will be open to all first-time homebuyers working full-time (regardless of occupation), active military, and veterans with up to $35,000 in down payment and closing cost assistance.

Eligible for conventional, FHA, VA, and USDA loan types.

Eligible borrowers may receive lower than market rates as well as:

Down payment and closing cost assistance
Reduced upfront fees
5% Down Payment assistance up to $35,000
$10,000 grant minimum for loans of $200,000 or less
VA, FHA, USDA & Conventional loan types
30 or 15 year fixed rate mortgage
Close in 30 Days or Less
No origination fee or discount points
First-time homebuyer requirement waived for Veterans

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How We Can Help Buy Your Dream House

Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted. Order your credit report instantly!

Benefits
Get Your Offer Accepted
Know Your Buying Range

Get Pre-Qualified

Shop For Best Rate

We will use our network of lenders to shop for the best rates and loan program to fit your needs. Lock your mortgage rate up to 1 year!

Benefits
Shop Multiple Lenders
Lower rates, Lower Payments

Shop Rates

Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze. Close in as little as 14 days!

Benefits
Hassle Free Funding
Get Your Dream House

Get Your Dream House

Reduce Your Payment For Up To 3 Years With Rate Buydown!

Mortgage rates and home prices are up, but you can keep costs down with a mortgage rate buydown. Buydowns deliver even bigger savings of up to 3% for our clients and best of all they are paid for by the seller!

With our buydown program, we’ve made it easy for you to save on your home loan and make your mortgage more affordable! A buydown allows you to reduce your payment for the first few years of your loan term by using seller-concessions from a builder or seller, to prepay some of the interest on your loan. Depending on your buydown option, you could lower your payment by up to 3% below your interest rate for the first year of your loan term with a new home purchase loan.

Request a Free Quote

Zero Down FHA Home Loan

Zero Down Payment Home Loan: We offer several no down payment home loans such as: $0 down FHA home loan, $0 down VA Home Loan, $0 down USDA Home Loan.

Down Payment Assistance Programs: We offer several down payment assistance programs to help make your dream of owning a home a reality. Some popular programs include: National Down Payment Assistance Program (3.5% forgivable or 6% repayable), Florida Hometown Heroes Program (up to 5% or $25,000), Conventional 1% Down (receive 2% from the lender), and the Chenoa Down Payment Fund. We also work with state and local community grant programs to provide additional down payment assistance. Let us help you navigate the complexities of down payments and guide you towards the perfect solution for your needs.

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Rate Lock & Shop for 1 year!

With our Mortgage Rate Lock and Shop program, you can shop for a home without worrying about rising mortgage interest rates. What's even better, if rates decrease during your house hunt, you will get the lower rate!

Even without a formal offer on a property, our Mortgage Rate Lock and Shop program gives you rate security with 90-, 120-, 150-, 180-, 270-, and 365-day rate lock options. Get rate protection for up to 1 year!

Our Mortgage Rate Lock and Shop program gives you the opportunity to save money, should interest rates continue to rise, and helps you manage your homebuying budget by letting you know that you’re pre-approved for a mortgage at a specific rate.

Lock & Shop Today

A PRACTICAL LOAN FOR MORE BORROWERS

QUICK QUALIFYING FOR LOANS UP TO $3 MILLION

The Community Mortgage Home Loan is a return to common-sense underwriting. This innovative product addresses the regulatory rules limiting prime borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit underwriting decision. This exclusive mortgage product is unique in the marketplace.

We deliver fast qualifying and closing with an innovative, marketleading loan program. Borrowers can qualify in three simple steps:

CLICK HERE FOR MORE INFO

Convert Your Full Home Equity into Cash with a VA Cash Out Refinance

If you are a veteran and currently have a home loan, you may have the option of refinancing as much as 100 percent of the total value of your home. This VA guaranteed loan option allows you to pay off any type of mortgage including VA, FHA, Conventional, second mortgages and Home Equity Lines of Credit. The VA cash out refinance program is ideal for homeowners who have credit card bills or would like to make upgrades or repairs to their home. An appraisal is required and you must qualify based on income and credit.

Pay off thousands in high-interest credit card debt with a cash-out refinance from us! See if you qualify!

Free VA Cash Out Quote

Welcome To American Home Lending USA, LLC

American Home Lending USA, LLC is a top-rated mortgage lender with dozens of specialized home loan options. The key to our success has been a combination of consistently offering the lowest mortgage rates and providing outstanding customer service and treat each client as an individual, not a number. Our goal is to create satisfied clients one at a time. Since our company was founded in 2008, we have helped thousands of homebuyer and homeowners with their home loan needs and proudly maintain an A+ rating with the Better Business Bureau.

Nearly 100% of our business is by referrals from satisfied clients, highly successful realtors and the most respected local homebuilders in the industry. These relationships are a direct result of over a decade of doing what we do best – providing our clients with unparalleled service while offering them the best mortgage options available.

Our team of mortgage experts will ensure our client's are paired with a home loan program which best suits their needs with the goals of maximizing their cash, minimizing their costs (if any), and close fast. There are many home loan options to choose from and together we’ll help find the loan that’s the best for you and your family.

Whether you are shopping for a new home purchase or looking to lower your mortgage rate or cash out equity to pay off debt, our streamlined process makes it a breeze to buy a home, refinance, or tap into your home equity.

Our company is a licensed mortgage lender in the states of Illinois, Missouri, Michigan, Mississippi, Colorado, Florida, Alabama, Arkansas, Louisiana, Texas, California, Kentucky, Georgia, Tennessee, and Maryland. Our branch offices are located in Edwardsville, IL, St. Louis, MO, Dallas, TX, Saltillo, MS, Hattiesburg, MS, Mobile, AL, and Clearwater, FL.