Review our loan programs online with your specific terms. As an upfront lender, we have no hidden fees, so it is easy to see what your loan is going to cost you.
You can either complete our loan application online, or call us to complete your loan application over the phone. This process takes between 15 to 30 minutes.
We will pull your credit from all three bureaus (Equifax, TransUnion, and Experian).
You can request your rate lock over the phone with your loan originator at any time during your loan process. Your rate must be locked at least 15 days prior to your closing date. In some cases we may require an appraisal report and information from your Condominium or Home Owners Association prior to locking in your rate.
For faster processing, we will send out initial disclosures by email for you to sign electronically. Once these disclosures are signed, we will order the appraisal report.
We will need income, liabilities and asset documents including, but not limited to: W2s, recent pay-stubs, tax returns, and asset statements. To ensure timely closing of your loan, we request that you send us these documents within 2 days of our request. You will be able to upload these directly through our secure online portal, and they will be available for immediate viewing by your loan team.
After we receive your documents, we will: 1) Order title work. 2) Analyze your credit, income, liabilities and assets. 3) Perform a verification of employment. We will notify you of any additional documentation necessary to approve your loan. We ask that you provide us the required information within two days of our request to ensure a timely closing.
Once the loan is approved by the underwriter, we will prepare the proper documentation for you to sign and schedule your signing. We make every effort to send your final documents to you at least one day prior to your scheduled signing date. For purchase transactions, the signing ceremony will be performed at a Title or Escrow company. For most refinance transactions, we send a notary to a location most convenient to you. This process can take a little over an hour to complete.
In most states, purchase transactions are funded the same day or next business day. Refinance transactions take at least three business days to fund in all states, except: Alaska, Arizona, California, Hawaii, Idaho, Nevada, New Mexico, Oregon and Washington. Funding takes longer due to state specific laws and regulations.
Let us show you a better way to a home loan. Call us to speak with a loan consultant now.
Copyright 2002 – 2015. All rights reserved. American Heritage Capital, LP. NMLS 277676. NMLS Consumer Access Site. Equal Housing Lender. Portions licensed under U.S. Patent Numbers 7,366,694 and 7,680,728.
AHCLending is a direct, up-front mortgage lender offering up-to-date mortgage rates. Our loan programs include: Conventional, FHA, Fixed Rate and Adjustable Rate Loans. We are committed to delivering the most accurate and competitive mortgage interest rate and closing costs.