We Finance Life's Happiest Moments

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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.

Down payment assistance programs

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

Custom loan programs with competitive rates

Trust us for the lowest rates, best service, and stress-free closings.

In-house underwriting and decision making

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

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

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.

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

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