Why American Heritage Lending

American Heritage Lending is the #1 lender to Real Estate Investors. We offer the loan products you need to help you get the lending you need as quickly as you need it. We’ve 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.

What American Heritage Lending Does


Rehab loans, bridge loans, fix & flip, buy to rent, and construction loans are a form of real estate investment financing available to purchase, refinance, and repair a property. These loans do not follow conventional standards that are required by banks or mortgage brokers, which allows you to obtain maximum leverage for a distressed property as well as to obtain funding for repairs. When working with American Heritage Lending, you will be able to finance your residential investment property as if you were paying cash, and we all know “cash is king.”

At American Heritage Lending, we provide real estate investors with loans to fix-and-flip or fix-and-rent their investment properties. We also work with brokers to provide competitive, low-interest funding to their clients.

Who We Serve

Mortgage Brokers
At American Heritage Lending, our goal is to serve you and your clients efficiently and professionally. Our simple process allows you to decide how to use our services. Refer a client directly to us, allowing us to work with the borrower or originate the loan yourself, and we will remain in the loop throughout the entire transaction.

At American Heritage Lending, we believe that realtors and lenders are on the same team. We strive to be accountable, reliable, and communicative to make the loan process as quick and as easy as possible. It is our goal to help you help your customers. Whether your customers are faced with a sudden transition, looking to enter the fix & flip market, or just in need of a short-term financing solution, we are here to help you through the entire process.

With a variety of fix-and-flip financing options available, we offer real estate flippers fast and reliable loans with little money down. Whether you want to fund the rehab and purchase of a distressed investment property or simply need a fast purchase-only loan, we can get you closed and funded in as little as 7 days.

We offer landlords a variety of loan programs to help you purchase a distressed property to fix up and rent out to a qualified tenant. With rehab, purchase only, and refinance options available, we help you maximize your rental investment opportunities.

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.

Why Work With Us?

Amidst adversity and the hard times of the mortgage meltdown, American Heritage Lending has remained resilient and persevered. As a direct result, we have established a foundation that has come to be relied upon by our borrowers, employees, and referrals alike.

We Are Fast

American Heritage understands the importance of obtaining fast funding when it comes to real estate investments. You’ll have access to the funds you need to close your flip or rental real estate property fast.

We Are Flexible

Typical mortgage and bank companies won’t fund the purchase of a distressed investment property or the repairs needed to flip or rent it. At American Heritage, we will approve any level of distress and give you the funding you need to fix and flip or fix and rent your investment home.

We Are Affordable

We understand that less money down and low-interest rates equal more equity, more properties, and more cash flow for you as a real estate investor. With competitive rates and a variety of leverage options to choose from, you’ll be able to find the right loan to fit your real estate investment strategy.

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.