What to love about AmeriHome

Low Rates

We offer low interest rates and closing costs with no hidden fees. In fact, we’ll pay you $500 if you find an interest rate and total origination charges lower than ours!

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Instant Rate Quote

Answer a few questions and see your interest rate and loan options instantly, without affecting your credit score.

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AmeriHome Rewards

We are committed to be your mortgage company now and into the future. Refinance with us ONCE and save $1,095 on ALL future refinances!*

*See details

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Our rates are so low, it’s hard to believe. Here is why:

As a direct mortgage lender, we eliminate the cost of operating brick and mortar branches and hiring a middleman to bring the customer to us. Simply put, we eliminate unnecessary expenses and pass the savings on to you, so you can use the savings to create a beautiful home, rather than a beautiful bank.

See it for yourself:

Did you find a better price than ours? Learn about our Better Price Assurance.

Choose the Home Loan that works for you

Conventional Loans

  • Great option for mid – high tier credit coupled with higher loan amounts available
  • No Mortgage Insurance for loan amounts up to 80% of your home value
  • Cash-out refinance available up to 80% of home value
  • Rate and term available up to 95% of home value
  • Down-payment as low as 3%
  • Fixed and Adjustable Rate Mortgages (ARM’s) available

FHA Loans

  • Easier credit qualifications and higher debt to income ratio flexibility
  • Cash-out refinance available up to 85% of home value
  • Rate and term refinance available up to 96.5% home value
  • Down-payment as low as 3.5%
  • Fixed Rate loans available

VA Loans

  • Exclusive to ALL active or retired military personnel, flexible credit requirements, and allows for higher debt to income ratios than conventional loans
  • Cash-out refinance available up to 100% of home value with approved credit
  • No down payment required with approved credit
  • Fixed Rate loans available

Conventional Loans

  • No home appraisal required (in certain cases)
  • Requires asset and income verification and credit check
  • Fast and easy refinance process for those with qualifying existing FHA mortgages
  • No home appraisal and income verification required
  • Requires a credit check

FHA Loans

  • Fast and easy refinance process for those with qualifying existing FHA mortgages
  • No home appraisal and income verification required
  • Requires a credit check

Conventional Loans

  • Cash-out refinance available up to 80% of home value.
  • With a cash-out refinance, the new mortgage loan is for a higher amount than the existing mortgage loan, and you (the borrower) receive the net difference between the two loans in cash (less closing costs).

FHA Loans

  • Cash-out refinance available up to 85% of home value.
  • With a cash-out refinance, the new mortgage loan is for a higher amount than the existing mortgage loan, and you (the borrower) receive the net difference between the two loans in cash (less closing costs).

Conventional Loans

  • More loan options
  • Down-payment as low as 5%
  • Can cost less over time for those with higher credit scores
  • Higher loan amounts available
  • No mortgage insurance required with 20% down payment

FHA Loans

  • Easier credit qualifications
  • May qualify with a lower credit score and lower income
  • Down-payment as low as 3%
  • Great option for first-time homebuyers

Conventional Loans

  • Fixed and adjustable interest rates with many options, depending on your credit score
  • Some loans may require mortgage insurance

FHA Loans

  • Fixed interest rates
  • Typically, lower than Conventional loan rates, but requires mortgage insurance

Conventional Loans

  • Higher maximum loan amounts than available for FHA loans

FHA Loans

  • Lower maximum loan amounts than available for Conventional loans

Conventional Loans

  • 10, 15, 20, 25, 30 years

FHA Loans

  • 15, 20, 25, 30 years

Conventional Loans

  • Minimum required credit score: 620

FHA Loans

  • Minimum required credit score: 580
  • No minimum credit score for qualifying current AmeriHome customers refinancing from FHA to FHA Streamline

Conventional Loans

  • Generally lower mortgage insurance costs than FHA loans.
  • Mortgage insurance can be cancelled or automatically terminated subject to certain conditions.
  • Provides the option for lender paid mortgage insurance.
  • Mortgage Insurance protects lenders from losing money if you stop making your mortgage payments.

FHA Loans

  • FHA requires you to pay upfront and monthly mortgage insurance.
  • Mortgage insurance cannot be lender paid.
  • You may be able to reuse a portion of the upfront mortgage insurance for FHA to FHA refinance.
  • Mortgage Insurance protects lenders from losing money if you stop making your mortgage payments.

Real Customer Reviews

Great work by these guys, addressed all of my needs, even when I was in a bad mood about it sometimes. Extremely professional and competent. Would recommend working with them hands down.

No hassles. Good interest rates.

Completely made me understand exactly what was happening and how it was going to happen made me feel comfortable that's a really good experience.

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Your mortgage doesn’t get any better than this.

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