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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.

Click here for access to the Consumer NMLS

FHA Lender ID 27897-0000-1 ⋅ VA Lender ID 902138-00-00
State licenses: 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; Florida Mortgage Lender License MLD94; Iowa Mortgage Banker License 2018-0155; Maryland Mortgage Lender License 18412; Nebraska Mortgage Banker License 93735; Oregon Mortgage Lending License ML-4808; Virginia Broker License MC-5775; Virginia Lender License MC-5775; Washington Consumer Loan Company License CL-93735.

Submitting a form from this website does not obligate you to enter into an agreement with American Heritage Lending, LLC; nor does it constitute an application for a mortgage loan. Submitting this form does authorize to deliver this form to a American Heritage Lending, LLC mortgage loan officer who will contact you by phone and/or email to respond to your inquiry into the American Heritage Lending, LLC mortgage programs and financing solutions.

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), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.