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American Heritage Lending

Premier Lender to Real Estate Investors

Fix & Flip Loans

Flexible long-term fix and flip financing for real estate investors acquiring and renovating residential properties.

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Long Term (DSCR) Rental Loans

Easier financing for investment properties as they require less paperwork and provide fast loan approvals and funding.

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Every day we make loans banks can’t – to borrowers who don’t qualify, on properties that aren’t feasible, in tight time frames that can’t be matched.

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Bridge Loans

Efficient short-term financing for real estate investors buying, renovating and selling residential properties.

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Qualify with no income documentation required using personal & business bank statements, P&L statements, or DSCR rental lease agreements.

Flexible Non-QM Loans
Made to Fit Your Needs

American Heritage Lending works with you to structure the best possible loan to meet your needs. Whether you are looking to purchase a home or refinance your existing loan to pull cash out, American Heritage Lending makes the process simple and easy!

A Lender You Can Trust

American Heritage Lending is a customer service-oriented lender in the Non-QM mortgage market. The company was founded by mortgage professionals with a long history of providing flexible solutions to borrowers who don’t fit the Qualified Mortgage space.

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, Loan Brokers, and Loan Officers 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, Inc. the only sensible choice.

We Look at the Bigger Picture

Not everyone fits into the strict underwriting guidelines found in conventional or government mortgage programs.

Each loan for our clients is unique, and we find a way to say “YES”! We work for you and typically achieve a “no-doc” close in as few as 5 days.


GREAT SERVICE & Experienced Team

American Heritage Lending has built a great reputation with RE Investors by offering consistently superior service.

Our experienced staff, from our dedicated Account Managers to our senior management, are here to help you find the best loan program to fit your scenario’s needs.


Real Estate Loan Programs

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

Fix & Flip
Long Term Rental (DSCR)


“Just a note of appreciation to you and your team, you always step up to the plate, such a pleasure to work with such an amazing team!! I AM YOUR BIGGEST FAN!!!!!!!!!”

Jerrod Araya

Happy Buyer, CA - 05/2018

Thank you so much. This has been by far, the best loan process I had.  You all have all set the bar pretty high.  Thank you again for everything. 

Ken Shan

Happy Client, TX - 01/2019

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.

2022 © Copyright American Heritage Lending, LLC

Submission Disclaimer

By clicking Submit, (1) you expressly consent to having American Heritage Lending contact you about your inquiry by phone (including usage of an automatic telephone dialing system), whether by a voice call, ringless voicemail, or by text messaging, to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any service from American Heritage Lending. I understand I can withdraw my consent at any time; and (2) you represent that you are not a resident of the State of New York. If you are a resident of the State of New York, please contact American Heritage directly via email at or by telephone at (800) 745-9280


FHA Lender ID 27897-0000-1 ⋅ VA Lender ID 902138-00-00

State licenses: Alabama Consumer Credit License 23291; Arizona Mortgage Banker License 0912684; California - Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California - DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Connecticut Mortgage Lender License ML-93735; Florida Mortgage Lender License MLD94; Georgia Mortgage Lender License 93735; Idaho Mortgage Broker/Lender License MBL-2080093735; Illinois Residential Mortgage License MB.6761561; Indiana-DFI Mortgage Lending License 58918; Iowa Mortgage Banker License 2018-0155; Kansas Mortgage Company License MC.0025684; Kentucky Mortgage Company License MC741639; Maryland Mortgage Lender License 93735; Massachusetts Mortgage Lender License ML93735; Michigan 1st Mortgage Broker/Lender License FL0023340; Minnesota Residential Mortgage Originator License MN-MO-93735; Nebraska Mortgage Banker License 93735; New Hampshire Mortgage Banker License 23855-MB; New Jersey Residential Mortgage Lender License; New Mexico Mortgage Loan Company License; North Carolina Mortgage Lender License L-204931; Ohio Residential Mortgage Lending Act Certificate of Registration RM.804862.000; Oregon Mortgage Lending License ML-4808; Pennsylvania Mortgage Lender License 81773; South Carolina-BFI Mortgage Lender / Servicer License MLS-93735; Tennessee Mortgage License 93735; Texas - SML Mortgage Banker Registration; Washington Consumer Loan Company License CL-93735; West Virginia Mortgage Lender License ML-93735; Wisconsin Mortgage Banker License 93735BA. 

American Heritage Lending, LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract).