Property Types

Single family, condos, townhomes, 

Loan Amounts

$75,000 – $970,800


5/1, or 30 year fixed

FHA loans are backed by the Federal Housing Administration, an agency under the Department of Housing and Urban Development jurisdiction. FHA loans are insured by the FHA, which means that this organization protects your lender against loss if you default on your loan.

The option of a low down payment and more lenient credit requirements can make FHA loans particularly attractive for first-time home buyers, although you don’t have to be a first-time home buyer to qualify. Here are some benefits of FHA loans:

  • Credit score requirements are lower compared to other loans.
  • Your lender can accept a lower down payment.
  • You could still qualify for an FHA loan if you have a history of bankruptcy or other financial issues.
  • Closing costs can often be rolled into your loan.

Financing a property with FHA loans is a quick and straightforward process for an experienced lender like American Heritage Lending.



There are specific requirements borrowers must meet to qualify for an FHA loan, including:

  • An FHA-approved appraiser must appraise the home you consider.
  • You can only get a new FHA loan if the home you consider will be your primary residence, which means that it can’t be an investment property or a second home.
  • You must occupy the property within 60 days of closing.
  • An inspection must occur, and the inspection must report whether the property meets minimum property standards.

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



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.


FHA interest rates can be competitive compared to conventional mortgages. This is because the government backing decreases the risk you pose and allows lenders to offer you a lower rate in return. The rate depends on several factors, including the prevailing interest rates, income, credit score, amount you plan to borrow, down payment amount, DTI ratio, and more.

Your eligibility for an FHA loan doesn’t hinge on a particular income amount, but you must prove that you have a steady employment history. Your income must be verifiable by sharing pay stubs, W-2s, federal tax returns, and bank statements with your lender. Your lender may ask for other examples of verification as well.


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 yourbridgelender.com 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.