Refinance with Low Wholesale Rates!
Lower Monthly Payment
Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.
- Ideal For
Extra Monthly Money
Retirement Savings!
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
Home Improvements
Pay off high-interest debts
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
Less money towards interest
Paying off the home sooner!
VA Loan Program with Zero Down!
We are thankful for our veterans service and we would like to help get you into a new home with zero down!
Fill out this quick form and if you are active duty, veteran or spouse of a veteran and were honorably discharged we will do our best to help you get funded with the VA Loan Program.
In addition to zero down, the VA loan limits closing costs and requires no private mortgage insurance (PMI) or early payoff penalties.
The Mortgage Process
Step 1:Apply
Whether you're looking for first home or refinance into a lower payment we're here to help!
Step 2:Get Pre-Qualified
We can get you prequalified online so you can make an offer with confidence that it will get accepted.
Step 3:Shop For Best Rate
We will use our network of lenders to shop for the best rates and loan program to fit your needs.
Step 4:Fast Funding
Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.
REFINANCE RATE SPECIAL
With an expected Fed rate cuts on the horizon, we’re getting ahead of the game and offering you refinance specials NOW! 💰 Whether it’s Conventional, FHA, VA, or USDA home loans, lock in your lower rate today and start saving! If you’re currently in a home loan with a rate over 5.00%, you may be eligible to refinance to a lower rate!
FREE QUOTEFlorida Hometown Heroes Program
Program Update: The Hometown Heroes (HTH) Program is open for reservations with a fresh $50 mllion allocation. Request a quote today before funds run out!
Receive up to 5 percent of the first mortgage loan amount (maximum of $35,000) in 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
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
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Get Your Offer Accepted -
Know Your Buying Range
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
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Shop Multiple Lenders - Lower rates, Lower Payments
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
Direct Lender
Get Your Dream House
Illinois IHDA Access Downpayment Assitance
Think a down payment is holding you back from buying a home in Illinois? Good news—there are programs designed to help! As an IHDA approved direct lender, we can help you access up to $10,000 in IHDA down payment assistance.
These programs can significantly reduce your upfront costs, are often stackable with other local assistance options, and help you start building equity from day one.
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.
Unlock Up To 89.99% Of Your Equity Without MI
With our Conventional Cash Out home loan, you can access even more of your home’s value, offering up to 89.99% loan-to-value (LTV) — a level that many big banks and big retail lenders don’t provide. Enjoy a simplified process, competitive interest rates, and no added mortgage insurance, making it easier than ever to put your home equity to work for you.
Welcome To American Home Lending USA
American Home Lending USA 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.
American Home Lending USA is a licensed mortgage lender authorized to conduct business in the states of Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, New Jersey, North Carolina, South Carolina, Tennessee, Texas, and Virginia. Our branch offices are located in Edwardsville, IL, St. Louis, MO, Dallas, TX, Saltillo, MS, Hattiesburg, MS, Mobile, AL, and Clearwater, FL.
Why choose American Home Lending USA?
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!
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!
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!