Buying a home for the very first time is an exiting time. Don't let the mortgage process scare you. American Heritage Mortgage specializes in helping first-time buyers get financing for their new home.

     With several programs with low money Down, American Heritage can formulate a program that's right for you.

The American Heritage Home Buyer Advantage

The Fastest Way to Close the Deal on Your New Home

With the American Heritage Home Buyer Advantage, we can get you a lender's Approval, which means you'll have the answers you need up front.

Know how much house you can afford, and the approximate amount of your monthly payments. 

Show Realtors, builders, and home sellers that
you're serious about buying a home.

Receive priority handling of your loan including express underwriting, property appraisal, and document preparation so you can close the deal quickly once you find your new home.

A  Lender  Commitment versus Pre-Approval.

A lender commitment letter is formal approval for an actual mortgage loan, with specific terms, loan amount, and a maximum interest rate. An appraisal of your new home and this commitment are all you need to proceed to closing. Pre-approval, by comparison, provides guidelines on what you may be able to afford. Once you find a home, some other lenders that offer pre-approvals need a complete application, then often take 30-60 days to make a commitment.

Buying a Home is Easier When You Already Have the Mortgage Approval

A home is one of the largest investments you will ever make. With the American Heritage Home Buyer Advantage, you make home buying decisions easier, faster, and without uncertainty. Here's why:

You know what you can afford. With the American Heritage Home Buyer Advantage, your can confidently look for your new home in the price range you can afford.

Negotiations are smoother. Real estate brokers and home sellers appreciate the American Heritage Home Buyer Advantage because it removes uncertainty from the purchase offer.

Sellers may proceed with their own plans sooner.

Less hassle. Once an offer on your new home is accepted, the American Heritage Home Buyer Advantage allows you to proceed to the closing more quickly, pending only an appraisal of the new home and phone verification of changes in your financial condition.

 Power Shopping at Your Fingertips

As soon as you're approved from the lender, you'll receive  a letter explaining the conditions of your approval. Your letter shows everyone- Realtors, builders, and home sellers that you're not just window shopping... you're ready to act!

Quite simply, the American Heritage Home Buyer Advantage eliminates much of the worry and stress associated with buying the home, and allows you to focus on what means the most to you - your new home. With American Heritage Mortgage,  you can act with confidence, move quickly, and put yourself in the home of your dreams.

 The American Heritage Buyer Advantage Gives You the Home Buying Edge!

American Heritage Mortgage lenders can provide a home loan program that gives you credit approval first - before you shop for a home. Almost any lender can pre-qualify you, but American Heritage has  lenders that put you one giant step closer to owning your home while You Shop...

- Improve your negotiation position.
- Advance credit approval before you find your new home.
- Protection against rising interest rates while you shop for a home.

When You've Found Your New Home, You Will Receive;
Priority handling of your loan. - Priority handling of your property appraisal. * Priority status for document preparation.

If you're thinking of buying or looking for a home soon, apply at American Heritage Mortgage for your lender financing now. Our experienced mortgage professionals are ready to answer your questions and explain how American Heritage can quickly provide you with the lender financing you need to buy a home you can afford at today's low interest rates.