Loan Programs

Loans for Real Estate Investors

American Heritage Lending is a nationally recognized lender specializing in purchase and refinance loans for non-owner occupied properties. We work directly with Borrowers, Investors, Brokers, Property Managers and Real Estate Agents. Our business purpose loans are fast, simple and transparent, and best of all, we can fund in as little as 5 days.

Some of our Loans Products Are


  • Up to 80% LTV
  • Interest Only payments
  • No Prepayment Penalty

Fix & Flip

  • Up to 90% LTC
  • $100k – $2M loan amount
  • Close in 5 days
  • Interest charged when disbursed

Long Term Rental

  • Long Term – Up to 80% LTV
  • Fixed and Adjustable Options for 30 Year Terms
  • Income calculated on property not borrower


  • Up to 75% LTV
  • Alternative Doc, Lite Doc
  • No Ratio programs available

Some of our Loans Highlights Include

No Documentation

  • No Income Documentation
  • No W-2’s or Tax Returns
  • No Pay Stubs

Easy Qualification

  • FICO Score as Low as 680
  • Credit Report and Appraisal Only
  • Interest Only / ARM / Fixed Loans
  • Debt Coverage as low as 1.00

Expansive Limits

  • SFR, Condo, Townhome and 2-4 Units
  • Foreign Nationals
  • Finance up to $2MM

Get started today!

Call 800-745-9280 and speak to one of our experienced investor loan representatives or check a few boxes on the form below and we’ll contact you to explain the options available. No cost. No obligation. Completely confidential.

Real Estate Investment Mortgages

It doesn’t matter if you own one property or an entire portfolio, American Heritage Lending is the answer to help you pull cash out to buy additional properties or simply remodel one of your existing ones. With over $1.3 billion in loans funded since our inception our experience speaks for itself.

It’s All About the Asset!

It’s about the asset, not your income, or tax returns, or bank statements or employment… or really anything else. Qualifying is as simple as your credit report and an appraisal! Our unique mortgage products allow you the flexibility to acquire multiple properties, rehab existing ones and leverage your cash position.

Get Approved Today!

  • No Income Documentation Required
  • No W-2’s or Tax Returns Required
  • No Pay Stubs Required
  • FICO Score as Low as 680
  • Credit Report and Appraisal Only for Qualification
  • Interest Only / ARM / Fixed Loans Options
  • Debt Coverage as low as 1.00
  • SFR, Condo, Townhome and 2-4 Units
  • Foreign Nationals
  • Finance up to $2 million per Investor in aggregate

Call Now: 800-745-9280

Flexible Loans to Maximize ROI

American Heritage Lending works with you to structure the best possible loan to meet your investment needs and maximize the return on your real estate investments. Whether you are looking to purchase another investment property or rehab an existing property, American Heritage Lending makes the process simple and fast with funding in as little as 5 days.

A Lender You Can Trust

Experience you can trust. We’ve been lending for over 16 years. We have strong relationships in the market and a cohesive management team. We understand that we are only as good as our last loan.

Founded in 2004, American Heritage Lending, Inc. specializes in the hard-money sector of bridge, fix and flip, and long term rental property loans. We are a direct lender partnered with one of the largest hedge funds in America. This gives us the flexibility to expedite your loan process.

“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!!!!!!!!!”

Dale S.

Real Estate Investor, 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.

Jason T.

Rental Property Owner, TX - 01/2019

Start Here!

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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.