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Refinancing could help you reach your goals faster. Get to know you options!
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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.
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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.
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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 home buyers.
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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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Credit Care

Don't let your credit keep you from applying. Experience greater flexibility when it comes to mortgage approval.
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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 home buyers, 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 Home Buyers
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 home buyer 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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See our step-by-step mortgage process guide to help you prepare to buy a house.

step-by-step mortgage guide