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Products We Offer
Bank Statement
A mortgage designed for self-employed borrowers that uses alternate income verification.
1099 Loans
A 1099 wage earner solution for self-employed borrowers with no tax returns required.
DSCR Loans
Designed for experienced real estate investors who qualify with rental income/cash flow from the subject property.
Foreign National
Designed for non-permanent residents seeking to purchase or refinance an investment property or second home.
Asset Qualifier
A solution for borrowers with substantial assets that are used to qualify for the loan.
Full Doc
For the borrower who can verify their income through traditional measures. Such as, Tax Returns and W2’s, or paystubs.
Bridge Star
With our Bridge Star Loan, you can bridge the gap to your dream home. Pay off your current loan and secure the cash needed for your new home’s down payment.
Prime Star
Jumbo loans up to $4M, designed exclusively for owner-occupied and second homes.
Correspondent Forms & Resources
Non-Delegated Loan Submission Form
Complete this form to submit your loan.
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 Stacking is the ability to finance broker 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.
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.
ABOUT OUR COMPANY
A LENDER YOU CAN TRUST
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.