American Heritage Lending Logo

Your Hard Money Lender

We say “YES” even when your bank says “NO”

Speak with a Hard Money Expert

800-745-9280

America’s Leader in

Hard Money Loans

  • NO Income Verification
  • NO Tax Returns
  • NO Limit on Financed Properties

Get a Quote Now!

It’s Free with No Obligation

American Heritage Lending – Hard Money Lender throughout the U.S.

Welcome to American Heritage Lending, America’s Leader in Hard Money Loans! Real estate investors need an experienced partner for quick and reliable capital. American Heritage prides itself in being able to provide financing on a wide variety of real estate projects with our different loan programs. As a direct lender, we underwrite all loans in-house and use our money to fund loans. Private loan rates starting at 8% and as little as 5 day turn-around time. When time is of the essence to lock down a deal, give us a call and we’ll get to work on your loan. We work directly with Borrowers, Investors, Flippers, Brokers, 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.

It doesn’t matter if this is your first deal, or you are a full-time investor, American Heritage Lending is the answer. For over 15 years, we have provided hard money & private money real estate loans with great rates & quick approvals.

Get started today!

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

Benefits of a American Heritage Lending Hard Money Loans:

Fast Closing

Don’t wait weeks or months for approval.  American Heritage Lending can have your loan closed in as little as 5 days.

We Are Direct Lenders

American Heritage Lending is an official direct lender.  We lend our own money.

Instant Approval

Don’t wait long to find out if you were approved or not. Your loan can be approved in as little as 24 hours.

Larger Loan Amount

Do you need a larger loan amount? No problem! We offer loan amounts from $100,000 to $2 million.

Low Down Payment

Save more of your money on down payments. We provide money for the acquisition and rehab of your next deal.

Satisfaction Guaranteed

We have over 15+ years of lendeing experience and we know what we are doing. No one is better than us.

Nationwide Leader in Private Money Lending

Our Private Money Loan Programs are structured to meet your real estate investing needs, regardless of what type of real estate investor loan you’re looking for. As one of the premiere privte hard money lenders for real estate investors, our borrowers can rely on us to quickly finance their real estate deals and help them grow their business.

Get Approved Today!

Call Now: 800-745-9280
  • No Income or Asset Documentation Required
  • No W-2’s or Tax Returns Required
  • No Pay Stubs Required
  • No Job Income Required
  • Up to 80% of value
  • FICO Score as Low as 600
  • 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 & Non-Perm Resident Aliens
  • Finance up to $2 million per

Flexible Loans to Maximize ROI

American Heritage Lending works with you to structure the best possible loan to meet your real estate investment property 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.

Frequently Asked Questions

Answers to Common Investment Property Questions
1. What kind of loan programs do you offer?
  1. Bridge Loans
  2. Fix N Flip Loans
  3. Long Term Rental Loans
2. What property types do you make loans on?
  1. SFR 1-4
  2. Multi-Family
  3. Condos
3. How long does it take to get a loan?
  1. Short Term Loans – our process can take as few as 5 days.
  2. Long Term Rental Loans – all of our loans can be closed in less than 21 days.
4. What is your Prepayment Penalty?
  1. Short Term Loans – there is no PPP.
  2. Long Term Rental Loans – we can structure loans with no PPP or up to a 3 year PPP.
5. What type of experience do I need to qualify?

We can work with Real Estate Investors at any point in their career. Even Investors that have yet to purchase their first property.

6. Do you offer financing for the rehabs on my project?

We will finance 100% of your budget as long as the ARV meets our guidelines.

7. What is the lowest credit score you will accept?

We use a FICO score of 640 as a rule. But, we do look at the overall credit history.

A Lender You Can Trust

American Heritage Lending has been lending for over 15 years and 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 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. 

We have experience in all facets of real estate lending and understand the complexities of serving the investor market. Our team is with you every step of the way, from loan submission to funding. Bringing a simple, unparalleled, common-sense approach to underwriting, American Heritage Lending is the only sensible choice for your investment property loan needs.

“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

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. laughing

Ken Shan

Rental Property Owner, TX - 01/2019

AMERICAN HERITAGE LENDING, LLC STATE LICENSING INFORMATION - NMLS ID: 93735
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.