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!
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*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

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How We Can Help Buy Your Dream House

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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
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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
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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

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.

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

CLICK HERE FOR MORE INFO

Looking to buy a home or condo, but don't have a down payment?  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.  In addition, we offer down payment assistance programs like the Chenoa Down Payment Fund, National Homebuyers Downpayment Assistance Program as well as local and state down payment home loan grant programs.  We also have information on the various regional, county and state programs.

LEARN MORE

Mortgage Rate Buydown

Getting concessions from a seller who wants to sell quickly?  You might be in the ideal position to use these toward a Temporary Rate Buydown to save on your interest rate at the beginning of your loan, for a more-comfortable mortgage payment.  

Great opportunity to help sellers get a property sold without affecting the sales price. With the rising interest rate environment, sellers love this product. The benefit goes directly to the borrower.

Learn More About Rate Buydown

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.

  CONVENTIONAL LOAN LIMITS INCREASED!

No need to wait until conforming 2023 loan limits are released – we’re honoring them on conventional loans now to give borrowers better pricing and buying power!  

  • $715,000 for regular one-unit conventional loans (increased from $647,200)
  • $1,073,000 for regular one-unit conventional loans in high-cost counties (increased from $970,800)
Loan LImit Increase 2023

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Refinance with Historically Low Rates!

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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!
LOWER MY PAYMENT
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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
CASH OUT
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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!
SHORTEN MY TERM

Welcome To American Home Lending USA

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, 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

VA Streamline Refinance

NO MINIMUM CREDIT SCORE REQUIRED!

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.

FREE VA LOAN QUOTE

Why choose American Home Lending USA, LLC?

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Local Knowledge

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

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Fast Processing

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

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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!

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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!

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

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