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 · Buy A Home
 · Bank Statement Refi
 · 2% Grant Program
 · USDA $0 Down Loan
 · VA $0 Down Loan
 · Buy a Home For $100
 · 203K Home Repair
 · FHA Loans
 · Refinance Cash Out
 · 100% VA Cash Out
 · Home Improvement
 · Reverse Mortgage
 · More loan options

New: Bank Statement Cash Out Refinance

VA IRRRL Streamline Refinance (No Appraisal)

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Convert Your Full Home Equity into Cash with a VA Cash Out Refinance

VA Mortgage VA Home LoanIf you are a veteran and currently have a home loan, you may have the option of refinancing as much as 100 percent of the total value of your home. This VA guaranteed loan option allows you to pay off any type of mortgage including VA, FHA, Conventional, second mortgages and Home Equity Lines of Credit. The VA cash out refinance program is ideal for homeowners who have credit card bills or would like to make upgrades or repairs to their home.  An appraisal is required and you must qualify based on income and credit.  Unlike other lenders, the lowest median FICO score can be as low as 580.

Pay off thousands in high-interest credit card debt with a cash-out refinance from us! See if you qualify!

VA Refinance Rates

Increase to VA Cash Out Limits for 2018: You can fully cash out your equity on loan amounts up to $453,100. For loans above that amount, the amount of cash you can take out is based on the maximum conforming loan amount in your area.

This is great for clients, because it means more money for home renovations and repair, boosting a college or retirement fund or whatever else you might use it for. We’ll go over what you need to know to take advantage of this opportunity.

To apply for a VA refinance or to find out more about whether you qualify, call one of our VA Home Loan Specialists at 800-965-0125 or get started online.

No Minimum Credit Score Required On Our VA IRRRL Refinance Programs

We offer one of the best VA refinance program in the country because unlike most banks and others lenders there is no appraisal and no minimum credit score required.

  • No Appraisal VA LoanNo Appraisal
  • No Minimum Credit Score Required!
  • No Income or Assets Verification
  • Verbal Employment Verification Only
  • Defer up to 2 mortgage payments
  • No Out of Pocket Expenses
  • Great Wholesale Interest Rates

For more information about our VA Loan programs, click here or visit

 VA IRRRL Cash Out Loan

VA Refinance Rates

It is very important that you shop around and compare lenders. If one of our competitors offers you a lower rate or lower rate/fee combination, simply email us their dated loan estimate (LE) or fees worksheet and we will do our best to beat or match your current offer.

2% Forgivable Grant Toward Home Purchase Price

We are pleased to announce our latest offering - a down payment assistance program, offered by an approved governmental entity which the buyer may use with either the FHA 203(b) program or any of our FHA renovation programs such as a 203K. As an independent mortgage lender, we can offer low wholesale rates as we don't have the overhead and buildings

Now you have ONE down payment assistance program that buyers may use in Illinois, Missouri, Colorado, Arkansas, Alabama, Mississippi, Georgia, Florida, Tennessee, California, and Maryland.


  • Completely forgivable grant, equals 2% of home purchase price
  • One program used for all types of buyers, with the same qualifications, makes it easy to submit and process
  • Simple one-stop process
  • May be combined with up to 6% seller concession for closing costs
  • No resale or borrower repayment restrictions
  • Median FICO score as low as 580


  • Total borrowers income is equal or less than 140% of median area income, or;
  • First-time home buyers, or;
  • Any borrower on the loan application who is a current, retired, volunteer or non-paid: first-responder (police officer, firefighter, public safety officer, paramedic, emergency medical technician (EMT), including volunteers or similar);
  • educator;
  • medical personnel (nurse, doctor, phlebotomists, health ambassador, or hospital, American Red Cross worker, or similar);
  • civil servant in a federal, state or local municipality; or military personnel

Contact us today at 800-965-0125 to get pre-qualified or to discuss your home buying process.  Already have a pre-approval from another lender?  It's always best to shop around; especially for one of the biggest purchases in a person's life.  Allow us to review your pre-approval and  beat

American Home Lending USA, LLC specializes in offering low wholesale mortgage rates and excellent customer service. Unlike our competitors, we don’t charge out of pocket expenses such as application fees with any of our mortgage products.  As smaller mortgage lender, we are able to focus on building our business through one-on-one relationships, honesty, and excellent customer service – while offering the low mortgage rates without the fees the big lenders charge. Since our company was founded in January 2008, we have maintained an excellent rating with the Better Business Bureau and have helped thousands of clients with their mortgage needs.

Mission Statement: Our goal is to create satisfied clients one at a time as they are the foundation of our success. Enriching lives with homeownership and providing unparalleled service will always be our lasting commitment.

Some of our mortgage products include: VA, low rate conventional, FHA, USDA/Rural, HARP products, home equity loans (cash out), reverse mortgages (HECM), no appraisal VA Streamline refinances, FHA 203K/home improvement, jumbos, adjustable-rate, $100 down program, and down payment assistance.

Allow us to EARN your business and trust as your home is more than likely your largest financial asset.  American Home Lending USA is setting the industry standards for providing mortgage loans at low costs with superior customer service and making you a "Client for Life".

Get pre-approved within 24 hours.

Today's technology is providing a more productive environment with the mortgage process. You can begin the application process immediately by clicking on the "APPLY ONLINE" secure link and fill out the loan application, contact us 1-800-965-0125, or stop by one of our offices.


As an independent wholesale broker and lender, we offer over a variety of home loan products at low wholesale rates for every imaginable type of scenario for all credit grades.  We have the outlets and resources to ensure our clients are paired with a home loan product which best suits their needs, while maximizing their cash, minimizing their costs (if any), and close in as little as 14 days.  Enriching lives with homeownership and providing unparalleled service will always be our lasting commitment.
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Edwardsville & Glen Carbon Chamber of Commerce INC 500 Top Companies American Home Lending USA INC 500, Edwardsville Glen Carbon Chamber of Commerce, BBB, Equal Housing Lender, Greater Gateway Association of Realtors, Real Estate
Illinois Corporate Office
230 S Buchanan St, Ste A
Edwardsville, IL 62025
Phone: (618) 659-8500
Toll-Free: (800) 965-0125
: (800) 771-6925
Florida Branch
1727 Coachman Plaza Dr
Clearwater, FL 33759
Phone: (727) 400-3293
Fax: (314) 735-1250
Alabama Branch
250 Congress St
Mobile, AL 36603
Phone: (251) 289-9404
Fax: (251) 545-4935
St. Louis, MO Branch
1430 Washington Ave, Ste 219
St. Louis, MO 63103
Phone: (314) 658-4534
: (314) 735-1250
Saltillo, Mississippi
3543 Tom Watson Drive
Saltillo, MS 38866
: (662) 762-4499
: (662) 796-0216

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© 2019 American Home Lending USA, LLC. All rights reserved.

Click here to download the CFPB Home Loan Toolkit Booklet

NMLS #71983 (  American Home Lending USA, LLC is headquartered at 230 S Buchanan St, Ste A Edwardsville, IL 62025.  Direct VA lender.  Not an agency of the federal government. Illinois Residential Mortgage License MB.6760542, Missouri Residential Mortgage License 16-1661-A, Licensed by the Mississippi Department of Banking and Consumer Finance #71983. Florida Residential Mortgage License MLD906; Alabama Consumer Credit License #21842; Georgia Residential Mortgage License #36496; Maryland Lender License #21919; Tennessee Residential Mortgage Licensee #117669; Colorado Residential Mortgage License; Arkansas Residential Mortgage License #116077; Licensed by the DBO under the California Residential Mortgage Lending Act #4131300.

Mortgage rates subject to change without notice.  Other restrictions may apply. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Privacy notice: Your privacy is protected on this site. We will never reveal, sell, or submit your name, address, telephone numbers, tax numbers, or e-mail address to any other vendors, real estate agents, mortgage companies, or banks.