Refinance
Purchase
Loan Options
Apply
Calculators
Mortgage Basics
Learn mortgage basics to better understand your home financing options.
Saving Money
Save more money by learning insider information on mortgages, rates, housing tips, and more.
Purchase
Our mortage consultants can guide you through the home buying journey.
Refinance
Refinancing could help you reach your goals faster. Get to know you options!
Market watch
Everything you need to know about the current housing and mortgage market.
Lifestyle
Stay up to date with the latest trends in home improvement, design, technology, and wellness.
Reverse mortgage
Let us guide you through reverse mortgage qualifications and benefits.
Who we are
Learn how we've grown to be one of the nation's most trusted lenders.
Reviews
Read our reviews from trusted sites and see why our customers see us as the best mortgage lender.
Give back
We're honored to give back to charities and help support the people and communities we serve.
Endorsers
Get to know the radio and television personalities who proudly endorse us.
Awards
We're recognized by local and national companies for our customer service and responsible lending.
Careers
Learn about our collaborative work culture and find open job positions.
Contact us
Contact a mortgage consultant for answers to you home purchase or refinancing questions.
Schedule appointment
Quickly and easily schedule an appointment with a mortgage consultant.
(800) 910-4055
Call
Text
Sign In
Mortgage rates continue to drop. Buy or refinance now, and save! Call us or apply below.

We Finance Life's Happiest Moments

By submitting this form, I am providing express consent for American Financing to contact me, including through the use of an automated dialer, voice or text, at the number above, even if my telephone number is listed on any Do-Not-Call list. I understand that I do not have to consent to receive such calls or text messages in order to purchase goods or services from American Financing.

4.8
3,600+ Google reviews
4.9
1,000+ Zillow reviews
4.9
700+ BBB reviews

Get pre-qualified for your new home loan today.

Salary-based mortgage consultants

We're not commission based. Our mortgage consultants are focused on your financial goals.
LEARN MORE

Down payment assistance programs

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

Custom loan programs with competitive rates

We can customize any loan in the industry. Trust us for the lowest rates, best service, and fastest closings.
LEARN MORE

In-house underwriting and decision making

Direct communications and greater flexibility allow for faster clear to close turnaround times.
LEARN MORE

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.
LEARN MORE

Condo

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

Second Home

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

Townhouse

An affordable option with yard space, multiple levels, and limited maintenance. A great choice for a first home!
LEARN MORE

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.
LEARN MORE

FHA Home Loans

Affordable down payments at 3.5%. These government insured loans are great for first-time home buyers.
LEARN MORE

VA Home Loans

Active duty and vets, enjoy no down payment and no mortgage insurance with a government backed VA loan.
LEARN MORE

Credit Care

Don't let your credit keep you from applying. Experience greater flexibility when it comes to mortgage approval.
LEARN MORE
VIEW ALL LOAN PROGRAMS

Purchasing or selling a home? Let us help you find the right agent.

FIND AN AGENT

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 home buyers, buying a home can be a major life decision. Let us offer tips and a look into loan programs.
READ MORE
Woman calculating receipts with a phone app
Checklist for New & First Time Home Buyers
Purchasing your first home can be stressful. Use this checklist to understand what's involved in the home buying process.
READ MORE
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 home buyer can be a bit overwhelming. Make the process easier by seeking home loan pre-approval.
READ MORE

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.
VIEW ALL

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

step-by-step mortgage guide