We're here to guide you with a loan approval that will satisfy your warehouse bank, and provide confidence in an ever changing market.

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(855) 340-9892

Become A Partner

Find out more about American Heritage Lending TPO Programs.
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Bank Statement

A mortgage designed for self employed borrowers that uses alternate income verification.

All Star
Rising Star

DSCR Loans

Designed for experienced real estate investors, qualify with rental income / cashflow from the subject property.

Invest Star
1099 Loans (1)

1099 Loans

A 1099 wage earner solution for self employed borrowers with no tax returns required.

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Foreign National

Designed for non-permenent residents seeking to purchase or refinance an investment property or second home.

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Asset Qualifier

A solution for borrowers with substantial assets that are used to qualify the loan.

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Rising Star

Full Doc

For the borrower that can verify their income through traditional measures. Such as, Tax Returns and W2's, or paystubs.

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Rising Star

Products We Offer

Correspondent Forms & Resources

Commonly used forms, documents, tools, and downloads for correspondents.

DSCR Calculator

American Heritage Lending offers business purpose loans for property investment and real estate businesses.

Qualify the borrower based on the cashflow of the subject property.


Stacking Tool

LTV Stack is the ability to finance correspondent fees or discount points into the loan.

May allow more attractive terms to the borrower.


Bank Statement Narrative

Not everyone fits into a traditional mortgage program. This program is designed for self employed borrowers using alternate methods of income verification.


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Loan Exception Request Form

We recognize every borrower does not fit within the standard guidelines. We use a common sense approach to find ways to qualify your borrower.


Non-Delegated Loan Submission Form

Complete this form to submit your loan.




American Heritage Lending prides itself on providing superior service, and our experienced staff is here to help you every step of the way.

Our highly trained Account Executives and Underwriters work with clients to structure loans and provide real solutions for difficult loans that were rejected by traditional lenders or Government automated underwriting methods.

With over $1 Billion in loans funded, we have experience in all facets of real estate lending. We understand the complexities of serving this niche market. We are a direct lender handling loan submission to funding in-house.

We bring a simple, unparalleled, common-sense approach to underwriting loans, making American Heritage Lending, LLC. the only sensible choice.

Become A Partner
(855) 340-9892