Features

AHC Lending is a trademark of American Heritage Capital (AHC): a direct mortgage lender based in Irving, Texas. It was founded in 2002 and has an A+ rating with the BBB. 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. As of April 2016, AHC Lending is licensed to operate in California, Florida, Colorado, Illinois, New Jersey, Pennsylvania, Texas, Virginia, and Washington State.

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 7 adjustable rate mortgages (ARM).

Rates vary depending on the type of loan, credit rating of the borrower, and the going market rate. As of April 2016 these are the lowest interest rates available:

- 30-year fixed: 3.625% APR

- 15-year fixed: 2.875% APR

- 5-year ARM: 3.382% APR

- 7-year ARM: 3.401% APR

Notice AHC Lending does not charge lender fees.

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 interest 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

- No lender fees

  • Min Loan
    $75000
  • Max Loan
    $1000000
  • Adjustable Rate
  • Fixed Rate
  • Home Equity Loans and Lines of Credit
  • Hybrid Mortgage
  • Jumbo Loan
  • Reverse Mortgage
  • Initial Processing Fee
    $600
  • Primary Residence
  • Estate/Trust/Retirement
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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 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 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

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

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

AHC Lending was the first company I have ever worked with that was completely transparent about their fee structure. My loan officer contacted me regularly to let me know the status of my loan. They really understand their customers and try to help them out as much as they can. AHC Lending is an amazing company.


0 votes

My loan agent with AHC Lending was the best. He worked with me from beginning to end, and made closing the loan very simple. I'm happy that they disclose all fees up front and don't pull anything tricky. AHC also has great customer service. I'm very pleased and will use AHC Lending if I ever need another home loan.


0 votes

I am really impressed that AHC Lending kept their word and closed my loan on time. This is the first time I have ever experienced this! They are reliable, professional, and I would recommend them over any lending company I have ever used. They are the way to go if you want a hassle free experience.


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

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

Fantastic company! I refinanced with them and they're were great. My loan agent was the best- he was so prompt in returning all my calls/emails/inquiries. AHC Lending really is a solid company that seems to have your back. They also have the most inexpensive rates for home lenders. Highly recommend AHC!


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

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 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 spoke with what felt like a ton of lenders before finally settling on AHC Lending. They offered my husband and I the best rates possible, with no closing costs. On top of that, the service was great. No issues, just great customer service. What more could you ask for from a lending company?


0 votes

AHC is a really good company, but our loan officer was even better. The people who work at a company can either make or break your experience, and this guy was the best. He was extremely experienced in the field and got us the lowest rate possible. If we ever refinance again or need to buy, we will definitely be contacting AHC.


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

I'm so in awe of how knowledgeable the AHC Lending loan officers are! My loan officer knew a bunch about federal and state rules and regulations, which came in handy during the loan process. I was also surprised that she seemed to actually be in her office, because she answered EVERY ONE of our calls!


0 votes

I opted to close my loan quickly, and they did exactly that. I didn't want to deal with all the extras and they ended up closing my loan in just over two weeks. I am so impressed with their communication. It was only two weeks that I worked with them, but it was a wonderful experience.


0 votes

My AHC loan officer was amazing. I honestly cannot say enough about him. Even when my husband and I got a little antsy or frustrated with the process, he assured us that all was well. If we ever decide to refinance, we will definitely request our first loan officer. Absolutely amazing with no issues.


0 votes

AHC Lending made buying my first home such a great experience with a smooth process. My loan officer was incredible. She figuratively held my hand the entire time, and made sure I turned in all the correct documents so she could do her job effectively. I now recommend AHC to all my friends who are buying homes.


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

My loan agent at AHC Lending was nothing less than terrific. It was so obvious that he was not only interested in the ending and closing the deal, but in the ride as well. Nothing was swept under the rug and when it was time for closing, we were aware of everything that was going on. We are more than happy with AHC. Highly recommend them.


0 votes

When the time came to refinance, my spouse and I spoke with various lenders. Some were better than others, but AHC stood out for their low rates/fees. They ended up being the best decision. After closing, I realized that they really did stick to their guns and gave us the same fees as they told us up front. Needless to say, we are very happy with AHC.


0 votes

I have used AHC multiple times in the past. They have proved to be the best lending company and that is the reason I am a loyal customer. The efficiency they have is terrific, and they have always gotten everything done for me in record time. I've never had an issue with AHC.


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

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

I refinanced previously with another popular online lender, which was so-so. After using AHC on the recommendation of a friend, I came to the realization that refinancing doesn't have to be this big, horrible process that should just be rushed in order to get it done. AHC made it simple, quick, and easy.


0 votes

After working with various lenders in the past, I can appreciate how upfront and straightforward AHC Lending is. They informed me of all the fees in the beginning, and let me know exactly how it would happen. There's a first time for everything, and this time, I was so happy to work with AHC!


0 votes

I recently refinanced my home for the third time, this being the first time with AHC Lending. I have only used banks before, so this was a change. I think it was a really good experience and now, I will only use online lenders. Their fees are much lower and you can also get better rates. I have already referred a few friends to them.


0 votes

I was so happy to work with a lender that didn't put a ton of pressure on me. I have gotten home loans in the past, so I know the drill. Life is busy, and it took me a while to get everything together. They understood I wasn't in any sort of rushed and never pressured me to get it done. Great company.


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

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

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

I got quotes from probably three other lenders before settling on AHC lending. First off, they gave us the best rate out of all the companies we contacted. After that, they really provided great service. I am so happy we went with AHC because they really went above and beyond.


0 votes

The person I worked with at AHC wasn't just a loan officer, he was more like a guide to the world of loans. I had a few different options, and the explained everything and helped me make the best choice for my situation. He worked so hard to get me the loan I wanted. I really appreciate his hard work and dedication.


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.

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