Let's Help You...Lower Your Payment|Lower Your Rate|Get Your First Home|Get Your Dream Home|Get Cash Out

Whatever your goals are we are here to help!
Click our pre-qualifier to get started

Loans Funded


Average Loan

17 Day Fundings

Certified Reviews

4.93 Stars

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
  • icon Get Your Offer Accepted
  • icon 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
  • icon Shop Multiple Lenders
  • icon 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
  • icon Hassle Free Funding
  • icon Get Your Dream House
Get Your Dream House

Florida Hometown Heroes Program

Effective July 1, 2023: The Florida Hometown Heroes Loan Program will provide down payment and closing cost assistance to ALL BUYERS in Florida who have not owned a home as a primary residence in the last three years and/or veterans or active military service with up to $35,000 in assistance.

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

  • FHA, VA, USDA, or Conventional loan types
  • Reduced upfront fees 
  • No origination fee or discount points 
  • Down payment and closing cost assistance 

The Florida Hometown Heroes Program rewards those working and serving their local communities with a pathway towards affordable housing, incentivizing them to put down roots and continue strengthening communities in the State of Florida.

What Our Customers Say

Conventional 1% Down

Our Conventional 1% Down loan is making homeownership more affordable for borrowers. Qualified borrowers only need to put down 1%, and we pay an extra 2% towards the down payment, up to $4,000, for a total of 3% down. It's a win-win for new borrowers.

Plus, you can use gift funds and down payment assistance to cover your entire down payment. It’s a great way to get into your home of your dreams while keeping more money in your pocket.

21813 1percentdown Conv

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.


Temporary Buydowns

3-2-1 Mortgage Rate buydown

Our exclusive buydown programs offer homebuyers the chance to lower their mortgage interest rate for the first one, two, or three years of their loan.

Like other concessions, you can request a temporary buydown during the negotiation process with a seller. For real estate agents and builders, a temporary buydown offers a win-win solution in a buyer’s market. It is an alternative to reducing the list price and keeps the property affordable while providing an attractive seller concession or buyer incentive.

With interest rates on the rise, this option helps keep homeownership within reach, even in a changing market. Plus, if mortgage interest rates drop in the future, borrowers have the option to refinance into a lower rate, saving on interest expenses. Don't miss out on this opportunity to save on your mortgage payments and achieve your homeownership goals with our seller-paid buydown programs.

Learn More

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.

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!



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.

No Income Home Loan

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

16784 Community Mortgage 3 Step1


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. 

States Licensed

start the application process today

Let our team of mortgage professionals find the right loan program for you.  Our goal is to get you the lowest rate you can qualify for and save you money.  Whether you looking to buy a new home, refinance your existing home loan, or looking for unique home loan, get started today with a free a personalized rate quote.

Click here to get started

Why choose American Home Lending USA, LLC?

House Red Roof

Local Knowledge

We know the area and the market and we're part of your community, not a bot on the net :)


Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

Smartphone In Hand

Best Service

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

Electronic Tablet

Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

Refinance with Historically Low Rates!

Lower Payment Down Arrow Icon

Lower Monthly Payment

Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.

  • Ideal For
  • Coin In Hand Icon Extra Monthly Money
  • Piggy Bank Icon Retirement Savings!
Cash Out House Dollar Icon

Get Cash Out

If your home has increased in value, you can use that equity to get cash-out for whatever you need!

  • Ideal For
  • Paint Brush Icon Home Improvements
  • Credit Cards Icon Pay off high-interest debts
Shorten Loan Term Clock Icon

Reduce Your Loan Term

Refinance into a shorter term, so you can pay off your mortgage faster and reduce the amount of interest you'll pay.

  • Ideal For
  • Hand Full of Cash Icon Less money towards interest
  • Thumbs Up Icon Paying off the home sooner!

VA IRRRL Refinance


While most lenders require a 640 minimum credit score, our VA IRRRL program does not require a minimum credit score. If you've been turned down in the past from various lenders, you should contact us for a free VA Streamline refinance quote.


Latest Blog Posts