Join Our Team
& Find Your Next Job at AH Lending

We believe that real estate investing is the greatest platform for change — and that together, we can improve the state of the American economy. We are the nation’s fastest growing private lender, and your work will help real estate investors and communities achieve their most ambitious goals. 

Best of all, we are not impacted by the qualified mortgage industry’s volatility in interest rates. Solve for X across complex investment scenarios, face challenges, and harness your prior experience to leave our communities a little better than we found them. 

A Lender That Provides Real Value

American Heritage lending is one of America’s fastest growing private lenders. We know the importance of job satisfaction. We have the operational infrastructure, knowledge, and expertise to get you where you want to be in your career. 

Bring your best self. Our hiring program, and inclusive interviews with entry-level training, are available for all. We know that having a diverse workforce which includes people with a variety of skill sets is essential if we are going to deliver on our mission to empower real estate investors and communities to achieve more.

Questions? Speak with our CEO or COO, right now: (800) 731-9226

Open Roles

By fostering an entrepreneurial spirit, you can own what you do and control your own success. Here’s where we are hiring today. We’ll save you the lengthy application process. A quick overview, understanding, and signing for expediting is all that’s needed.

  1. Choose a role based on your previous experience
  2. Complete the quick application process, & upload a resume
  3. Connect with a member of our team

American Heritage Lending located in Costa Mesa, CA is looking for Mortgage Underwriters to join our growing team.
Position is remote, however, candidate must live in Southern California.

The Mortgage Underwriter evaluates and determines a credit decision and the eligibility of loan applications. Exercising sound independent judgment based on detailed analysis, the Mortgage Underwriter is responsible for analyzing and verifying loan applications, evaluating risk, and making loan eligibility decisions ensuring that all documentation is in compliance with the relevant regulations.

Major Areas of Responsibility include:

  • Manually reviews loan application, loan documents and third-party documents (i.e., appraisal, title, flood, fraud) to determine a credit decision on Non-QM Programs.
  • Reviews Borrowers’ conditions and third-party documents for loan programs that have an automated underwriting decision.
  • Reviews DU verification messages/approval conditions. Verifying the accuracy and integrity of all loan data entered into the system
  • Calculates income, reviews assets and liabilities.
  • Document all loan exceptions and compensating factors.
  • Maintains knowledge of all policies and modifications to the guidelines and standards of the Company, federal housing programs, investors, and private mortgage insurers.
  • Updates loan application information within loan origination software and other applications.
  • Analyzes documentation collected to ensure it meets guidelines or if other documentation is needed; ensures loan application is in compliance with underwriting, investor, RESPA, and HMDA guidelines.
  • Identifies Changes in Loan to ensure appropriate disclosures are provided to the Borrower in a timely manner.
  • Completes HMDA Data and Denial Letters for ineligible loans.
  • Documents and effectively communicates reasons for approval/rejection of loans.

Minimum Qualifications (Skills, Knowledge & Abilities):

  • Ability to analyze and interpret data sufficient to render a sound business decision
  • Ability to gather and monitor information, track and record changes in accordance with regulations
  • Ability to analyze large volume of documents while maintaining attention to detail to ensure all risk factors are identified and conditioned
  • Ability to work in a fast paced, agile environment; meet tight deadlines; and plan for and anticipate eleventh-hour changes; highly organized and able to prioritize
  • Skilled in effective written and verbal communication
  • Advanced working knowledge of Microsoft Office products and automated underwriting systems
  • Knowledge of lenders’ policies and procedures
  • Proficient knowledge in Encompass
  • High mathematical aptitude

Experience and Education:

  • 5+ years’ experience as a Certified Underwriter (required)
  • 5+ years’ experience mortgage loan processing proficiency (required)
  • 2+ years’ experience in Non-QM Underwriting (preferred)
  • Bachelor’s Degree in business, banking, finance or a related field

 

American Heritage Lending located in Costa Mesa, CA is looking for Mortgage Loan Processors to join our growing team.
Position is remote, however, candidate must live in Southern California.

Our Mortgage Loan Processors are responsible for managing mortgage loan files in our internal systems in order to achieve final approval from the underwriting department.

  • Processors are required to effectively manage and maintain a pipeline of 25+ loans
  • Communicate documentation requirements, status and potential issues to all parties related to the loan transaction
  • Provide status reports to all parties related to the loan transaction
  • Ensure the Loan Origination System is accurate and up to date at all times throughout the loan transaction
  • Review loan related documents for accuracy and credit worthiness within a time frame established by management
  • Review and communicate initial and final loan approval notifications within a time frame established by management
  • Establish a professional relationship and good rapport with all parties related to the loan transaction

What You Need for this Position

  • High School diploma or equivalent required.
  • Bachelor degree preferred.
  • Minimum 3-5 years of recent experience as a Sr. Loan Processor
  • Working knowledge of processing loans for FNMA, FHLMC, FHA, VA as well as Non-QM, Fix & flip, Hard Money and Bridge loans.
  • Experience with TRID
  • Generating initial disclosures
  • Ability to manage time sensitive material and meet deadlines
  • Ability to work in a high production environment
  • Highly detailed and organized with ability to multi-task
  • Effective communication skills
  • Creative thinking to find the appropriate or alternative programs for unique situations
  • Computer Knowledge (DU, LP, Microsoft Outlook & Windows, Encompass)

Why American Heritage?

  • We offer competitive compensation
  • Wide Product Options – Fixed and Flip, Bridge, FHA, VA, Conventional, Hard Money Loans and more
  • American Heritage is not impacted by the volatility of the interest rate

Benefits:

  • Medical
  • Dental
  • Vison
  • Accrued Paid Time Off
  • Matching 401(k)
  • 8 Paid Holidays

American Heritage Lending located in Costa Mesa is experiencing tremendous growth with our proprietary Non-QM Loan Programs.
We are looking for results-oriented Loan Officers to join our team. The Company provides all exclusive leads. If you enjoy sales, are driven, and love a fast-paced career, then this is the opportunity for you.

Responsibilities

  • Generate new mortgage applications through established lead channels.
  • Builds rapport and leverage customer relationships with existing and potential borrowers.
  • Analyze customers’ financial situations and provide the appropriate solution by advising customers as to the appropriate loan product for them.
  • Structure loans and quote rate to borrowers.
  • Common sense underwriting for proprietary Loan Programs offered by the Company.

Qualifications

  • High School diploma or equivalent is required. Bachelor’s preferred.
  • 3-5 years of current loan origination experience.
  • Non-QM product knowledge is a major plus!
  • Loan origination experience with the following is helpful: Conventional/Government, Bridge, Hard Money, Fix & Flip, Non-QM loans.
  • Excellent communication and customer service skills.
  • Current NMLS and the ability to obtain additional licensing.
  • Strong desire to succeed in a sales environment and be a top producer.
  • Self-motivated, self-starting professional.
  • Proficient with Microsoft Office Suite.

Why American Heritage Lending:

  • We offer a competitive commission structure.
  • We offer a wide variety of product options for our borrowers, such as, Bridge, Fix and Flip, FHA, VA, Conventional, Hard Money Loans and more.
  • We are not impacted by the volatility of the interest rate.

Benefits:

  • Medical
  • Dental
  • Vison
  • Accrued Paid Time Off
  • Matching 401(k)
  • 8 Paid Holidays

American Heritage Lending located in Costa Mesa, CA is experiencing tremendous growth and is looking for detail-oriented Jr. Mortgage Funders who want to work remotely!

Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success – creating a caring experience for the families we service across the nation.

Responsibilities:

  • Work with Funder in organizing and verifying the different aspects of the loan funding process.
  • Confirm all prior to funding conditions are satisfied.
  • Coordinate with settlement agent for timely funding and disbursement.
  • Making sure that all documentation is in place so the borrower gets their mortgage on time.
  • Verify the availability of funds.
  • Ensure completion of provided docs for necessary title reports, credit reports, appraisals, and inspections.
  • Maintain data integrity as loan progresses through closing.
  • Prepare funding figures and request wire for funding after balancing with settlement agent.
  • Review signed closing docs for accuracy and compliance.
  • Review loan packages and get file ready for Funder.

Qualifications:

  • BA/BS degree preferred, but not required.
  • 2+ years of processing experience.
  • 1+ year of recent funding experience.
  • Strong verbal and written communication skills.
  • Highly organized and excellent time management skills.
  • Experience with Encompass.
  • Ability to thrive in a fast-paced environment.

Why American Heritage Lending:

  • Competitive salary and bonus.
  • Wide Product Options – Bridge, Fix and Flip, FHA, VA, Conventional, Hard Money Loans and more.
  • We are not impacted by the volatility of the interest rate!

Job description

Jr Mortgage Loan Officers Needed Now!

American Heritage Lending located in Costa Mesa is experiencing tremendous growth and we are looking for a results-oriented Junior Loan Officers who can generate new business and referrals and assist our senior loan officers in creating and closing loan packages. Lending or mortgage industry experience is not required but is a tremendous asset. If you enjoy sales, are driven, and love a fast-paced career then this is the opportunity for you.

Responsibilities:

  • Consult with potential loan applicants – answer questions and provide additional information about home loan products to create personal relationships.
  • Gather financial information to assist with loan applications, prepare loan files, and assess applicants’ financial situation and eligibility
  • Monitor sales pipeline, meet sales expectations, get referrals, and generate new business opportunities

Qualifications:

  • High School diploma or equivalent is required.
  • Bachelor’s is preferred.
  • 1-3 years of sales experience.
  • Strong organizational skills.
  • Great communication skills.
  • Mortgage product knowledge is helpful but not required.
  • A self-starter who is driven to perform consistently at a very high level.
  • Must be sales driven and love the challenge.

Why American Heritage Lending:

  • Competitive salary and commission package.
  • Wide Product Options – Bridge, Fix and Flip, FHA, VA, Conventional, Hard Money Loans and more.
  • We are not impacted by the volatility of the interest rate.

Benefits:

  • Medical
  • Dental
  • Vision
  • Accrued Paid Time Off
  • Matching 401(k)
  • 8 Paid Holidays

No time than the present to start your career with American Heritage Lending!!

Job Type: Full-time

Questions? Speak with our CEO or COO, right now: (800) 731-9226

 

 

 

Start From Our Office In Costa Mesa,
Succeed From Anywhere…

Goodbye old ways of working, and hello to flexibility, connection, and productivity from home, and achieve significant results unbound by geography. 

We’re empowering everyone to carry our company ethos with them anywhere they go. By creating new ways of working, connecting, and delivering customer success in our digital-first world, we’re redefining the future of private lending — together.

Join Our Team Today

See for yourself how AH Lending empowers team members to flourish through better compensation, superior resources, business growth opportunities, and ownership in the work you do.

Ownership

Own the work you do, and share in the success and growth of American Heritage Lending. It’s a chance to truly be a part of something bigger.

Commision

That’s right. The best compensation plans for loan officers in the industry. Earn significantly more, without all the hassle.

Support

Access to leadership and team members as needed. Rather than living on an island, tides raise all boats and help comes from around you.

 

Exclusive Leads

A marketing program that generates 100% exclusive leads for loan officers and marketing automation to drive contact establishment.

Technology

Powered by Encompass and Cimeron – our software stack is lean and focused on closing funding scenarios.

 

Training & Growth

If you are transitioning careers and roles, our training programs will help you grow from where you are today to where you want to be tomorrow. Mentorship from industry leaders and experienced veterans.

Apply Now

A fast, easy application process that takes less than a minute. No redundant questions, no BS.