ADJUSTABLE RATE
(ARM) LOANS

American Heritage Lending helps its clients qualify for loans without the qualification standards.

ARM can be a smart financial choice for homebuyers who are planning to keep the loan for a limited period of time. Financing a property with bank statement loans is a quick and straightforward process for an experienced lender like American Heritage Lending.

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800-745-9280

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Someone will reach out to you within 24 hours to talk to you about your funding scenario.

AH Lend Home renovation cta 1
Once Julie and Tim took over my two properties deal for refinance, they worked tirelessly to push everything through within 2 weeks time. Awesome experience, friendly knowledgeable people that care about helping you and your needs. Julie, Tim, and Spencer are great people to work with, thank you so much for working with me.. Truly a pleasurable experience!

Benefits of Working With Us

  • Direct Refinance LenderDirect Refinance Lender
  • Minimal DocumentationMinimal Documentation
  • Closes as Quickly as 14 DaysCloses as Quickly as 14 Days
  • No Pre-Payment Penalty AvailableNo Pre-Payment Penalty Available
  • In House UnderwritingIn House Underwriting
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800-745-9280

Program Criteria

1

Score and background check

2

$100K – $10MM+ non-owner occupied property

3

2 months of recent bank statements

4

Fix & Flip Expierenced Required

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

Apply now
800-745-9280
AH Lend Home renovation cta 2
AHL is an outstanding company. They actually execute on their promises. I had the pleasure of working directly with Jessica Reynolds. She is knowledgeable and efficient. It was my first time getting a rental loan and she was extremely patient with me. She was by my side every step of the way.

Property Types We Fund

We lend on Single-Family Residences, 2 to 4 Units, Townhomes, Planned Unit Developments, or Condominiums. All properties must be non-owner occupied.

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800-745-9280

An adjustable-rate mortgage (ARM) is a home loan with a variable interest rate. With an ARM, the initial interest rate is fixed for a period of time. After that, the interest rate applied on the outstanding balance resets periodically, at yearly or even monthly intervals. ARMs have caps that limit how much the interest rate and/or payments can rise per year or over the lifetime of the loan.

ARM can be a smart financial choice for homebuyers who are planning to keep the loan for a limited period of time. Financing a property with bank statement loans is a quick and straightforward process for an experienced lender like American Heritage Lending.

OUR ADJUSTABLE RATE
(ARM) & TERMS:

PROPERTY TYPESSingle family, condos, townhomes, 2-4 unit
LOAN AMOUNTS$75,000 – $970,800
TERMFixed periods on the initial 5, 7, 10 years
LOANS AVAILABLELoans are available to individuals, trusts, corporations, and limited partnerships.

ADJUSTABLE RATE (ARM) FINANCING

Adjustable-rate mortgages (ARMs) aren’t for everyone. Yes, their favorable introductory rates are appealing, and an ARM could help you to get a larger loan for a home. An ARM can be a smart financial choice for homebuyers who are planning to keep the loan for a limited period of time. American Heritage Lending helps its clients access the flexible funding they need without the traditional income qualification standards.

  • Minimize the renovation expense as much as possibleMinimize the renovation expense as much as possible
  • Maximize the market value of the propertyMaximize the market value of the property
  • Retain the property for the shortest possible timeRetain the property for the shortest possible time
AH Lend Home renovation cta 3

WHY CHOOSE A ADJUSTABLE RATE (ARM) LOAN?

Many buyers will likely have difficulty getting loans through a traditional lender like a bank or credit union. With American Heritage Lending, we offer you a variety of financing solutions to fit your needs.

We understand the need to move quickly when opportunities arise. Our application, appraisal, and approval process can be accomplished in just a few days to ensure you can negotiate effectively with the property holder.

Apply Now
800-745-9280

USE OUR ADJUSTABLE RATE (ARM) LOANS WHEN TRADITIONAL LENDING SOLUTIONS ARE NOT AVAILABLE

Traditional banks will often disqualify self-employed borrowers wanting to use their bank statement to qualify for a loan or charge them a high rate. This is because we calculate your “qualifying” income based on your taxable income. Business owners and self-employed individuals write off many of their business expenses, reducing their taxable income and their “qualifying” income.

In many cases, ARMs come with rate caps that limit how much the rate can rise at any given time or in total. Periodic rate caps limit how much the interest rate can change from one year to the next, while lifetime rate caps set limits on how much the interest rate can increase over the life of the loan.

Now You’re Talking to The Right Lender!

Get started today. Simply check a few boxes on the form above, and we’ll contact you to explain the options available. No cost. No obligation. Completely confidential.

Ready to take the next step

Apply now
800-745-9280