AHC Lending is a trademark of American Heritage Capital (AHC): a direct mortgage lender based in Irving, Texas. It was founded in 2002. AHC Lending offers a wide selection of mortgage products at competitive rates and offers and guarantees a fast closing process. 

AHC Lending provides fast loans to borrowers with fair to excellent credit. It has served over 13k borrowers and is authorized to operate as an FHA Direct Endorsement Lender by the United States Department of Housing and Urban Development. 

What Rates And Terms Does AHC Lending Offer?

AHC Lending offers FHA loans, refinances, jumbo loans, primary residence purchases, rental/investment properties, and second homes. Terms range from 5 to 30 years and clients can choose 5 or 10 adjustable rate mortgages (ARM).

Rates vary depending on the type of loan, credit rating of the borrower, and the going market rate. These are the lowest rates available:

- 30-year fixed: 3.605% APR

- 15-year fixed: 2.931% APR

- 5-year ARM: 3.665% APR

- 10-year ARM: 3.664% APR

What Is AHC Lending’s Process?

AHC Lending offers a fast closing process called RapidClose, which guarantees to close in 20 days or waive the first payment.

AHC Lending’s loan process is simple. 

The loan process involves the following steps:

- Search loan programs online. Review rates and closing costs

- Complete the loan application and authorize a credit pull

- Sign initial disclosures and send loan documents

- Lock in your rate and start the processing and underwriting stage

- Closing and Funding

What Advantages Does AHC Lending Offer Over Other Mortgage Lenders?

- AHC Lending is a direct lender, which means it does not depend on banks or other investors when processing home loans.

- Fast closing process (RapidClose is 20 days or less)

- Wide selection of mortgage products

- FHA-endorsed lender

- AHC considers borrowers with fair to excellent credit

  • Intended Use
    • Investment/House Flipping
    • Primary Home
    • Rental Property
    • Secondary Home
  • Loan Amount
    $75000 - $1000000
  • Min Loan
  • Terms
    5, 10, 15 & 30 year
  • APR
    Starting at 2.931%
  • Max Loan
  • Initial Processing Fee
  • Institution Type
    Direct Lender
  • Primary Residence
  • Funding Time
    2-4 weeks
  • Adjustable Rate
  • Fixed Rate
  • Amortization
    Principal and Interest
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0 votes

The quick response time of my loan rep was amazing! I'd get a returned call or email within hours, definitely before the day was out. This communication was pertinent to closing my loan on time. It also made everything much easier and simpler on my part. Thanks, AHC Lending!

0 votes

This is my third time ever dealing with a mortgage/loan company. AHC Lending is the best that I have come across so far. The other companies I dealt with were so-so, but none compared to the rates and the quick work of AHC. If I am ever in the market for a loan again, AHC will definitely be my first choice.

0 votes

I refinanced my home loan with AHC Lending and it was a good decision on my part. They were extremely easy to work with and all the AHC employees I contacted were great. I now recommend AHC Lending because they make refinancing easy. I will use them again in the future as needed.

0 votes

AHC Lending was the best part of buying my new home! Getting a home loan through them was a lot simpler than I thought it would be. Seeing as it was my first home ever, I figured there would be some bumps, but there weren't. The people there are great and help you along the way.

0 votes

I'm a little frustrated by AHC. I have great income and income history, yet I was declined for a home loan. I have a great credit score, too. I tried something different by applying for a home loan online and not locally, and I guess it didn't work out for me in the end. A little frustrated..

0 votes

My loan officer was VERY knowledgeable, which was great because I had no idea what to do. It was my first time refinancing. He managed to put me at ease and get everything done by the set deadline. I gave him a list of my wants and needs, and he worked with me to get the best rate possible. So pleased.

0 votes

The only thing better that AHC's low-as-can-be rates are their loan representatives. The lady processing my loan was extraordinary. She never missed a beat when I asked questions and returned ALL of my calls/emails within a reasonable time frame. So happy I chose AHC. I highly recommend them!

0 votes

After using AHC Lending, I can confidently say that I will never use another brick and mortar lender again. The process was so seamless and was ten times easier than any loan I have ever gotten from a local institution. Even though everything was done over the phone and through email, they were always there for me.

0 votes

Even though I knew AHC Lending had low rates, I decided to call around anyway. Much to my pleasure, they remained the lowest for all the online lenders and local companies. My wife was so impressed with their service, and I'm just happy as can be about their low rates. We highly recommend AHC.

0 votes

There's just something about the loan officer at AHC Lending that made me trust the company. Maybe it was his diverse knowledge of mortgage rates, the current market, etc., but I really appreciate everything he did for us. He really took the time to get us the best rates out there. AHC is a great company, and they seem to employ great loan officers.

0 votes

Refinancing a home and getting loans can be the biggest pain in the butt! But AHC Lending is an amazing option for those who need to do this regularly. I have various properties and have used them six times already. They are fantastic at getting it done and not dragging along. They've never let me down.

0 votes

My AHC loan officer was the best. We ran into numerous issues with the title company, and she managed to get everything worked out. Not only that, but we closed on time, too. That's some great service! We couldn't have asked for a better loan officer from a better lending company.

0 votes

I actually stumbled upon AHC Lending after working with another company that ended up screwing me over. I was immediately attracted to AHC's low rates, but when they actually stuck to those low rates, I knew they were a good company. They give you all the costs up front, which is a breath of fresh air.

0 votes

I had a VERY strict deadline for when I needed my home loan funded, so I chose the Rapid Close program through AHC. They really kept their promise and closed my close in just about three weeks.

0 votes

I really felt like it was a pleasure working with the loan officer at AHC Lending that I got paired with. She was super knowledgeable about everything and answered all my questions without skipping a beat. Everything went so smoothly, I couldn't have asked for a better closing.

0 votes

I am honestly surprised at how smooth getting a loan went with AHC Lending. I asked plenty of questions, and found out a bunch about their staff. They are all professionals with licensing and experience in the lending field. Very happy to hear that. I definitely saw all of these positive qualities during my loan process.

0 votes

Refinancing with AHC Lending was the best thing my family could have done. They managed to save our family almost $250 each month, which is excellent. The service there is also great. The loan officers communicate mainly through email which is a lot more convenient than playing phone tag!

0 votes

I did some serious research before applying with a mortgage lender. AHC seemed to have the lowest rates I could find. Turns out, they are a pleasure to work with as well. I'm saving a bunch per month on my mortgage compared to other companies I spoke with. I'm very pleased.

0 votes

I ended up finding a perfect home before getting a loan, and needed to get one quick if I didn't want to lose the house. I needed the people at AHC to work quickly, and they did! They were so quick and efficient. My main loan officer was the best. She seemed to work round the clock to process my loan.

0 votes

These guys are fantastic. This is my second loan with them and each time they were great. They are always very professional and great to work with. The loan agents are amazing, too. Each question has been met with thorough answers, and I have yet to be put on hold. Great company.

0 votes

I was a little hesitant to get a home loan online and not from a local company, but AHC is wonderful. Their customer service is tops. Everything was done in such a quick time period and completely painless. I'm more than satisfied with AHC. I'd definitely recommend them to any in the need of a home loan.

0 votes

I'm more than happy with this company. Customer service is great and all phone calls are answered right away. No waiting on the customer service line. Everyone is super helpful even after the process, and were awesome during. I would most definitely recommend AHC to anyone. They're awesome.

0 votes

I had a VERY strict deadline for when I needed my home loan funded, so I chose the Rapid Close program through AHC. They really kept their promise and closed my close in just about three weeks. I got everything in order regarding purchasing my home, and they were a big help. They're great and I'd highly recommend them.

0 votes

Doing everything electronically through AHC Lending was extremely convenient for me. As a working mom, it was a lot easier to respond to emails while at my work desk instead of spending hours on the phone. They actually got everything done before the expected deadline. I'm so happy with AHC Lending. They will be my go-to next time.

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