American Heritage Lending Mortgage Programs

When this lender may be reviewed

• The borrower needs an alternative to standard agency income or documentation rules.
• A rental-property investor wants qualification centered on property cash flow instead of personal income.
• An investor needs short-term financing for acquisition, renovation or resale.
• The transaction involves ground-up construction rather than a completed home.

When another lender may fit better

• another lender handles the income or property type under more suitable rules
• another lender offers a lower complete payment or closing cost for the same structure
• the program is unavailable in the state or does not fit the intended property use

What we need for a preliminary review

• loan goal and expected state
• property type, value and occupancy
• income type without sending sensitive documents
• timing and approximate transaction funds
• which of Non-QM mortgage / DSCR investor loan you want to compare

How we compare this lender with others

For American Heritage Lending, we first check whether Non-QM mortgage, DSCR investor loan and Bridge and fix-and-flip apply to the state and property. We then compare income treatment, complete payment, costs, documentation and restrictions without promising approval.