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Pay Less for Your Dream Home

Get a low rate and save thousands

Purchase A Home
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Get pre-qualified for your new home loan today.

No hassle, no pressure

Our mortgage consultants are focused on helping you achieve your financial goals. There’s never any obligation, just simple conversations around ways you can save.
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Down payment assistance programs

Let us help get you into your dream home for less money down. Plus, we never charge upfront fees.
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Custom loan programs

We have access to a variety of loan options. You can always expect a competitive rate and stress-free closing.
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In-house underwriting and decision making

Direct communications and greater flexibility allow for faster clear to close turnaround times.
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Find your home and we'll fund it.

New Home

From starter homes to upgrades and picket fences to three car garages, you have incredible options to choose from.
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Condo

You can become a homeowner and still enjoy a sense of community and the high-rise, heart of the city lifestyle.
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Second Home

Somewhere to get away, or something to bring in extra income. A second home makes an excellent investment.
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Townhouse

An affordable option with yard space, multiple levels, and limited maintenance. A great choice for a first home!
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We have the right loan program for you.

15-Year Mortgage

The loan that gives you a reduced payoff term, so you can own your home faster. Better yet, you pay less in interest.
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FHA Home Loans

Affordable down payments at 3.5%. These government insured loans are great for first-time homebuyers.
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VA Home Loans

Active duty and vets, enjoy no down payment and no mortgage insurance with a government backed VA loan.
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30-Year Mortgage

We'll customize a loan so you can get into your own home. Enjoy the fixed, affordable payments of a 30-year mortgage.
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Purchasing or selling a home? Let us help you find the right agent.

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Want more information on purchasing?

Visit one of our expert learning center articles to learn more.
New parents looking at a new home
Home Buying Guide: What to Know to Get Started
For many first-time homebuyers, buying a home can be a major life decision. Let us offer tips and a look into loan programs.
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Woman calculating receipts with a phone app
Checklist for New & First-Time Homebuyers
Purchasing your first home can be stressful. Use this checklist to understand what's involved in the home buying process.
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Mobile phone showing a green checkmark after loan approval
How to Get Pre-Approved for a Home Loan
The process of being a first-time homebuyer can be a bit overwhelming. Make the process easier by seeking home loan pre-approval.
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Customer reviews

Learn more about the American Financing customer experience on Trustpilot.

Common purchase questions

Will applying for a mortgage affect my credit?

Mortgage credit checks are considered inquiries and may have a small impact on your credit score. However, there are no fees associated with this inquiry.

How is my interest rate determined?

There are several considerations that go into your interest rate, including credit score and debt-to-income ratio. Though rates aren't negotiable, if you current rate is 1-1.5% higher than market rates, lower it.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate of what you may qualify for. Pre-approval requires a credit check and considers your income and debt, so you're receiving a more accurate picture of the amount of home you can afford.

What is PMI?

If you make less than a 20% down payment with a conventional loan, you're required to carry private mortgage insurance (PMI). It's typically a monthly premium added to your mortgage payment.
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Get Pre-Qualified for Your Dream Home

Buy your next home, for less. Our custom loan programs make homeownership affordable. Start the conversation with a salary-based mortgage consultant.

Purchase A New Home

See our step-by-step mortgage process guide to help you prepare to buy a house.

Step-by-Step Mortgage Guide