American Home Lending

American Home Lending USA (NMLS #2239) is a family-owned, mortgage lender founded in 2008 and trusted by more than 10,000 happy clients to date. Backed by an A+ Better Business Bureau rating and an average 4.95-star review score, we combine hometown service with nationwide strength—offering low wholesale rates, lightning-fast approvals, and a 15-day average closing timeline that helps buyers move quickly in any market.

What we do

• Full-spectrum home financing. Choose from Conventional, FHA, VA, USDA, Jumbo, Reverse Mortgage, HELOC, renovation, investor, and specialty “Community Mortgage” products up to $3 million—each tailored by our 375-plus years of combined team experience. American Home Lending USA
• Smart first-time-buyer solutions. Tap zero-down FHA, VA, or USDA options, state and local down-payment assistance, and grant programs that can contribute up to $11,000 toward closing costs. American Home Lending USA
• Rate-Lock & Shop. Secure today’s rate for up to 365 days while you house-hunt, with a built-in “float-down” if market rates drop. American Home Lending USA
• Cash-out & refinance expertise. Access as much as 100 % LTV on VA cash-outs, 89.99 % on conventional cash-outs without mortgage insurance, or reduce your payment with 3-2-1 and 2-1 seller-paid buydown programs. American Home Lending USAAmerican Home Lending USA

Why borrowers (and Realtors) choose AHL

• Local knowledge, national reach. Licensed in IL, MO, MI, MS, CO, FL, AL, AR, TX, CA, GA, TN, and MD, with branch offices from Edwardsville, IL to Clearwater, FL. American Home Lending USA
• Digital done right. Mobile-friendly application, secure document upload, and instant credit pulls mean you can get pre-qualified in minutes and submit stronger offers with confidence. American Home Lending USA
• Personal, referral-driven service. Nearly 100 % of new business comes from satisfied clients, seasoned Realtors, and top builders—evidence of our “one client at a time” philosophy. American Home Lending USA

Our promise

Whether you’re buying your first home, moving up, or leveraging equity, American Home Lending USA shops multiple investors on your behalf to find the right loan, the right rate, and the lowest possible cost—so you keep more of your hard-earned money. Let our team turn your homeownership goals into reality with transparent advice, rapid f