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  American Heritage Lending Mortgage Refinance
American Heritage Lending Mortgage Refinance
in Mortgage Refinance from American Heritage Lending Corporation · NMLS ID #93735
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American Heritage Lending Mortgage Refinance

Unaffiliated
in Mortgage Refinance from American Heritage Lending Corporation · NMLS ID #93735
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  
Loan Amount Up to $1,000,000
Loan Term (Years) 15 - 30 years

American Heritage Lending Mortgage Refinance Review

American Heritage Lending Mortgage Refinance is offered by American Heritage Lending Corporation (NMLS #93735), a direct lender founded in 2008 and based in Costa Mesa, CA. American Heritage Lending are available in 8 states across the USA.

Key Takeaways

  • 3 different mortgage programs offered. American Heritage Lending Mortgage Refinance refinances FHA, FHA 203k, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Non-standard interest rates available. American Heritage Lending Mortgage Refinance offers hybrid mortgages, and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

American Heritage Lending Mortgage Refinance Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 8 states.

American Heritage Lending Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via American Heritage Lending?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. American Heritage Lending Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does American Heritage Lending take to refinance?

American Heritage Lending does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does American Heritage Lending charge a mortgage origination fee?

Yes, American Heritage Lending Mortgage Refinance will charge a loan origination fee.

What mortgage programs does American Heritage Lending offer?

American Heritage Lending Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does American Heritage Lending allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. American Heritage Lending Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Availability

  Available in 8 states
  • Arizona
  • California
  • Colorado
  • Florida
  • Maryland
  • Oregon
  • Virginia
  • Washington

Feature Breakdown

Intended Use
  • Primary Home
  • Secondary Home
  • Investment
APR Starting at 4.57%
(Verified 08/04/2023)
Loan Term 15 - 30 years
Loan Amount Up to $1,000,000
Interest Rate Types Offered Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • VA

American Heritage Lending Mortgage Refinance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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