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Mortgage Rates

Mortgage rates can change daily based on the current financial markets; sometimes multiple times in one day. Mortgage interest rates can also fluctuate based on your own individual credit profile and your unique property situation. For this reason, we never want to mislead you by showing example rates on our website. The best way to get an accurate mortgage rate thatís specific to your personal situation is to request a custom mortgage rate quote or contact us to receive a FREE and accurate rate quote. Itís quick and easy, and there is never any cost or commitment to get a rate or an estimate on your next mortgage!

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 or worksheet and we will do our best to beat or match your current offer.

Interest rate vs. APR. The interest rate is the cost of borrowing the principal loan amount.  The APR is a broader measure of the cost of a mortgage because it includes the interest rate plus other costs such as broker fees, discount points and some closing costs, expressed as a percentage.  When shopping for the best rate, always compare the APR rate and not the base interest rate. 

American Home Lending USA, LLC works with local and national lenders to find you the most competitive mortgage rates available. Some lenders may try to mislead you with a low rate, but they will then add higher fees (this will be reflected in the APR).  Always compare the ARP rate rather than the interest rate.  The APR rate will reflect the true cost as it reflects fees.  At American Home Lending USA, LLC we pride ourselves in providing our clients with only the most accurate information, up front. Our clients work directly with their loan officer from start to finish to ensure personal care for their situation. It is our goal to make sure that each client understands all of their available options and that you feel comfortable throughout the whole mortgage process. Itís all about customizing the right mortgage, specifically for you!

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Edwardsville & Glen Carbon Chamber of Commerce American Home Lending USA Real Estate Equal Housing Lender 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
Fax
: (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
Fax
: (314) 735-1250
Saltillo, Mississippi
3543 Tom Watson Drive
Saltillo, MS 38866
Phone
: (662) 762-4499
Fax
: (662) 796-0216

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NMLS #71983 (www.nmlsconsumeraccess.org).  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 and programs 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.  Equal Housing Lender.