We Finance Life's Happiest Moments

By submitting this form, I am providing express consent for American Financing to call me, including through the use of an automated dialer, at the number above, even if my telephone number is listed on any Do-Not-Call list. You do not have to agree to receive such calls or messages as a condition of getting any services from American Financing.

Purchase a home with confidence.

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Salary-based mortgage consultants

We’re not commission based. Our mortgage consultants are focused on your financial goals.
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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 with competitive rates

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

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.

Are you looking at buying your first home?
We will guide you through the process.