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Smarter Lending for Smarter Living
Welcome to simple, smart home financing.
Top 10
Mortgage lender*
$34 Billion
Annual mortgage volume*
300,000 Loans
Serviced today
What to love about AmeriHome
Competitive Rates
We offer competitive 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 being your mortgage company now and into the future. Finance the purchase of a home or refinance with us ONCE and save $1,095 on ALL future refinances or home purchases!*
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We put our customers at the forefront, offering a competitive rate that is based on your financial profile and is customized for your needs.
We work at your pace and offer loans at the speed of you:
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
- 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
