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Skip primary navigation links Refinance Purchase Loan Options Calculators Learning Center Mortgage Basics Learn mortgage basics to better understand your home financing options. Saving Money Save more money by learning insider information on mortgages, rates, housing tips, and more. Purchase Our salary-based mortgage consultants can guide you through the home buying journey. Refinance Refinancing could help you reach your goals faster. Get to know you options! Market watch Everything you need to know about the current housing and mortgage market. Lifestyle Stay up to date with the latest trends in home improvement, design, technology, and wellness. Reverse mortgage Let us guide you through reverse mortgage qualifications and benefits. About Us Who we are Learn how we've grown to be one of the nation's most trusted lenders. Reviews Read our reviews from trusted sites and see why our customers see us as the best mortgage lender. Giving back We're honored to give back to charities and help support the people and communities we serve. Endorsers Get to know the radio and television personalities who proudly endorse us. Awards We're recognized by local and national companies for our customer service and responsible lending. Careers Learn about our collaborative work culture and find open job positions. Contact us Contact a salary-based mortgage consultant for answers to you home purchase or refinancing questions. Schedule an appointment Quickly and easily schedule an appointment with a salary-based mortgage consultant. Sign In (844) 854-9497 Call Text Sign In Salary-based mortgage consultants LEAVE YOUR HOME LOAN TO US Buy Refinance 4.7 6,900+ Google reviews 4.8 1,500+ BBB reviews 4.7 6,900+ Google reviews 4.9 1,700+ Zillow reviews 4.8 1,500+ BBB reviews GREATER SAVINGS Consolidate your debt and start saving today; close in as fast as 10 days! * Refinance and save up to $1,000 every month! * You may be able to delay two payments * Custom loans for credit scores as low as 500 Apply now CASH-OUT REFINANCE Home equity is at an all-time high. Take cash out for the things you need. * Pay off credit card debt * Fund a home improvement * Add to your savings Use my equity LOCK AND SHOP Buy a home with confidence! Lock your rate before shopping so you get the best deal. * No upfront or hidden fees * Fast pre-approvals and closings * Rate locks up to 120 days Get pre-approved As a first-time homebuyer I couldn't believe how easy American Financing made the whole process! After a short call on a Saturday morning we hit the streets with our pre-approval and put out offers on several homes that fit our needs. From there, American Financing pulled off a smooth closing, and we were in our home! Heath D. I was amazed at how my score jumped 57 points in less than a week. Thank you for helping me reach beyond my goal! Ebony E. They guided me through my cash-out refi in under 30 days! And because they periodically checked the numbers, I was able to get more cash than the original estimate! Michael T. I've had 2 wonderful experiences with American Financing! Last year they were able to help me get a mortgage to purchase my first home when other companies wouldn't. This time I wanted to refinance my mortgage in order to pay off some high-interest credit cards and was again blown away with their customer service. The whole experience was quick and easy. Robin A. American Financing helped me get my credit score up 36 points! Thank you to the Credit Care team! Angelina G. We dragged our heels about doing a home refinance thinking it would be complicated, time consuming, and difficult to find a honest mortgage lender. Kept hearing their commercial on a trusted radio show, so gave them a try. This was a quick and painless process. The closing was even done in the comfort of our home with a licensed/bonded notary. I encourage others to work with American Financing. Thank you again! Nancy C. The process was quick and I was able to save on interest and get rid of my PMI. My rep explained everything to me in full detail. Also they sent someone to my house to sign all the paperwork. It was an easy process. I would use the company again. Amanda M. Five stars to the Credit Care team at American Financing. They clearly explained everything, and the results were just as they described. My scores rose 47 points in just two days! Frank W. I didn't believe home ownership was within grasp, but before shopping for another home to rent, I had to see if all the radio ads are true. This team of professionals, showed me that it was not only possible, but they made the process seamless and convenient. They helped me to succeed at every step and, although they use the latest technologies to speed up the process and save time, I always received excellent, classic, customer service. Thank you, American Financing! Mike B. I had a hard time getting approved for a refinance because of my credit score. But the credit care team at American Financing gave me a path to improvement in less than 30 days, so I could get an incredible refinance deal. Daniel P. American Financing literally kept me from being homeless. They were able to help when another lender declined my loan, and they got me approved and closed in 6 working days. I have been in the mortgage industry myself for the past twenty years, and let me tell you - that is just unheard of. I will be telling ALL of my friends and family about them and would absolutely use them again and again. Megan L. As a Navy Veteran, I was looking for a way to refinance my VA home mortgage to reduce my monthly payments. I often heard ads for mortgage lenders on the radio, but American Financing was different. I went to their website and requested a quote. Over the next several weeks the team at American Financing took care of everything. They were fast, knowledgeable, and extremely courteous. Trust these guys Vets, they will take good care of you! Armand R. Highly recommend! We are self-employed and had a complicated case, but they worked hard to make our refinance happen. Easy process, always updated on where in process we were with our loan. Shannon G. Having retired at the end of 2016, I decided to refinance my existing mortgage to lower the payments, as well as using some of the accumulated equity to eliminate a few bills. I can honestly say my rep did a totally exemplary job taking care of all the details. He kept me completely in the loop as everything fell into place. This company was great to work with! John S. Absolutely the BEST experience! We started with another lending company which complicated our situation and we were blessed to find American Financing! The team was phenomenal in finding solutions and funding our retirement dream home! I would absolutely, without a doubt, recommend American Financing 110%!! Thank you so very much! Ana D. As a first-time homebuyer I couldn't believe how easy American Financing made the whole process! After a short call on a Saturday morning we hit the streets with our pre-approval and put out offers on several homes that fit our needs. From there, American Financing pulled off a smooth closing, and we were in our home! Heath D. I was amazed at how my score jumped 57 points in less than a week. Thank you for helping me reach beyond my goal! Ebony E. They guided me through my cash-out refi in under 30 days! And because they periodically checked the numbers, I was able to get more cash than the original estimate! Michael T. I've had 2 wonderful experiences with American Financing! Last year they were able to help me get a mortgage to purchase my first home when other companies wouldn't. This time I wanted to refinance my mortgage in order to pay off some high-interest credit cards and was again blown away with their customer service. The whole experience was quick and easy. Robin A. American Financing helped me get my credit score up 36 points! Thank you to the Credit Care team! Angelina G. We dragged our heels about doing a home refinance thinking it would be complicated, time consuming, and difficult to find a honest mortgage lender. Kept hearing their commercial on a trusted radio show, so gave them a try. This was a quick and painless process. The closing was even done in the comfort of our home with a licensed/bonded notary. I encourage others to work with American Financing. Thank you again! Nancy C. The process was quick and I was able to save on interest and get rid of my PMI. My rep explained everything to me in full detail. Also they sent someone to my house to sign all the paperwork. It was an easy process. I would use the company again. Amanda M. Five stars to the Credit Care team at American Financing. They clearly explained everything, and the results were just as they described. My scores rose 47 points in just two days! Frank W. I didn't believe home ownership was within grasp, but before shopping for another home to rent, I had to see if all the radio ads are true. This team of professionals, showed me that it was not only possible, but they made the process seamless and convenient. They helped me to succeed at every step and, although they use the latest technologies to speed up the process and save time, I always received excellent, classic, customer service. Thank you, American Financing! Mike B. I had a hard time getting approved for a refinance because of my credit score. But the credit care team at American Financing gave me a path to improvement in less than 30 days, so I could get an incredible refinance deal. Daniel P. American Financing literally kept me from being homeless. They were able to help when another lender declined my loan, and they got me approved and closed in 6 working days. I have been in the mortgage industry myself for the past twenty years, and let me tell you - that is just unheard of. I will be telling ALL of my friends and family about them and would absolutely use them again and again. Megan L. As a Navy Veteran, I was looking for a way to refinance my VA home mortgage to reduce my monthly payments. I often heard ads for mortgage lenders on the radio, but American Financing was different. I went to their website and requested a quote. Over the next several weeks the team at American Financing took care of everything. They were fast, knowledgeable, and extremely courteous. Trust these guys Vets, they will take good care of you! Armand R. Highly recommend! We are self-employed and had a complicated case, but they worked hard to make our refinance happen. Easy process, always updated on where in process we were with our loan. Shannon G. Having retired at the end of 2016, I decided to refinance my existing mortgage to lower the payments, as well as using some of the accumulated equity to eliminate a few bills. I can honestly say my rep did a totally exemplary job taking care of all the details. He kept me completely in the loop as everything fell into place. This company was great to work with! John S. Absolutely the BEST experience! We started with another lending company which complicated our situation and we were blessed to find American Financing! The team was phenomenal in finding solutions and funding our retirement dream home! I would absolutely, without a doubt, recommend American Financing 110%!! Thank you so very much! Ana D. Five stars to the Credit Care team at American Financing. They clearly explained everything, and the results were just as they described. My scores rose 47 points in just two days! Frank W. I didn't believe home ownership was within grasp, but before shopping for another home to rent, I had to see if all the radio ads are true. This team of professionals, showed me that it was not only possible, but they made the process seamless and convenient. They helped me to succeed at every step and, although they use the latest technologies to speed up the process and save time, I always received excellent, classic, customer service. Thank you, American Financing! Mike B. I had a hard time getting approved for a refinance because of my credit score. But the credit care team at American Financing gave me a path to improvement in less than 30 days, so I could get an incredible refinance deal. Daniel P. American Financing literally kept me from being homeless. They were able to help when another lender declined my loan, and they got me approved and closed in 6 working days. I have been in the mortgage industry myself for the past twenty years, and let me tell you - that is just unheard of. I will be telling ALL of my friends and family about them and would absolutely use them again and again. Megan L. As a Navy Veteran, I was looking for a way to refinance my VA home mortgage to reduce my monthly payments. I often heard ads for mortgage lenders on the radio, but American Financing was different. I went to their website and requested a quote. Over the next several weeks the team at American Financing took care of everything. They were fast, knowledgeable, and extremely courteous. Trust these guys Vets, they will take good care of you! Armand R. Highly recommend! We are self-employed and had a complicated case, but they worked hard to make our refinance happen. Easy process, always updated on where in process we were with our loan. Shannon G. Having retired at the end of 2016, I decided to refinance my existing mortgage to lower the payments, as well as using some of the accumulated equity to eliminate a few bills. I can honestly say my rep did a totally exemplary job taking care of all the details. He kept me completely in the loop as everything fell into place. This company was great to work with! John S. Absolutely the BEST experience! We started with another lending company which complicated our situation and we were blessed to find American Financing! The team was phenomenal in finding solutions and funding our retirement dream home! I would absolutely, without a doubt, recommend American Financing 110%!! Thank you so very much! Ana D. As a first-time homebuyer I couldn't believe how easy American Financing made the whole process! After a short call on a Saturday morning we hit the streets with our pre-approval and put out offers on several homes that fit our needs. From there, American Financing pulled off a smooth closing, and we were in our home! Heath D. I was amazed at how my score jumped 57 points in less than a week. Thank you for helping me reach beyond my goal! Ebony E. They guided me through my cash-out refi in under 30 days! And because they periodically checked the numbers, I was able to get more cash than the original estimate! Michael T. I've had 2 wonderful experiences with American Financing! Last year they were able to help me get a mortgage to purchase my first home when other companies wouldn't. This time I wanted to refinance my mortgage in order to pay off some high-interest credit cards and was again blown away with their customer service. The whole experience was quick and easy. Robin A. American Financing helped me get my credit score up 36 points! Thank you to the Credit Care team! Angelina G. We dragged our heels about doing a home refinance thinking it would be complicated, time consuming, and difficult to find a honest mortgage lender. Kept hearing their commercial on a trusted radio show, so gave them a try. This was a quick and painless process. The closing was even done in the comfort of our home with a licensed/bonded notary. I encourage others to work with American Financing. Thank you again! Nancy C. The process was quick and I was able to save on interest and get rid of my PMI. My rep explained everything to me in full detail. Also they sent someone to my house to sign all the paperwork. It was an easy process. I would use the company again. Amanda M. Five stars to the Credit Care team at American Financing. They clearly explained everything, and the results were just as they described. My scores rose 47 points in just two days! Frank W. I didn't believe home ownership was within grasp, but before shopping for another home to rent, I had to see if all the radio ads are true. This team of professionals, showed me that it was not only possible, but they made the process seamless and convenient. They helped me to succeed at every step and, although they use the latest technologies to speed up the process and save time, I always received excellent, classic, customer service. Thank you, American Financing! Mike B. I had a hard time getting approved for a refinance because of my credit score. But the credit care team at American Financing gave me a path to improvement in less than 30 days, so I could get an incredible refinance deal. Daniel P. American Financing literally kept me from being homeless. They were able to help when another lender declined my loan, and they got me approved and closed in 6 working days. I have been in the mortgage industry myself for the past twenty years, and let me tell you - that is just unheard of. I will be telling ALL of my friends and family about them and would absolutely use them again and again. Megan L. As a Navy Veteran, I was looking for a way to refinance my VA home mortgage to reduce my monthly payments. I often heard ads for mortgage lenders on the radio, but American Financing was different. I went to their website and requested a quote. Over the next several weeks the team at American Financing took care of everything. They were fast, knowledgeable, and extremely courteous. Trust these guys Vets, they will take good care of you! Armand R. Highly recommend! We are self-employed and had a complicated case, but they worked hard to make our refinance happen. Easy process, always updated on where in process we were with our loan. Shannon G. Having retired at the end of 2016, I decided to refinance my existing mortgage to lower the payments, as well as using some of the accumulated equity to eliminate a few bills. I can honestly say my rep did a totally exemplary job taking care of all the details. He kept me completely in the loop as everything fell into place. This company was great to work with! John S. Absolutely the BEST experience! We started with another lending company which complicated our situation and we were blessed to find American Financing! The team was phenomenal in finding solutions and funding our retirement dream home! I would absolutely, without a doubt, recommend American Financing 110%!! Thank you so very much! Ana D. As a first-time homebuyer I couldn't believe how easy American Financing made the whole process! After a short call on a Saturday morning we hit the streets with our pre-approval and put out offers on several homes that fit our needs. From there, American Financing pulled off a smooth closing, and we were in our home! Heath D. I was amazed at how my score jumped 57 points in less than a week. Thank you for helping me reach beyond my goal! Ebony E. They guided me through my cash-out refi in under 30 days! And because they periodically checked the numbers, I was able to get more cash than the original estimate! Michael T. I've had 2 wonderful experiences with American Financing! Last year they were able to help me get a mortgage to purchase my first home when other companies wouldn't. This time I wanted to refinance my mortgage in order to pay off some high-interest credit cards and was again blown away with their customer service. The whole experience was quick and easy. Robin A. American Financing helped me get my credit score up 36 points! Thank you to the Credit Care team! Angelina G. We dragged our heels about doing a home refinance thinking it would be complicated, time consuming, and difficult to find a honest mortgage lender. Kept hearing their commercial on a trusted radio show, so gave them a try. This was a quick and painless process. The closing was even done in the comfort of our home with a licensed/bonded notary. I encourage others to work with American Financing. Thank you again! Nancy C. The process was quick and I was able to save on interest and get rid of my PMI. My rep explained everything to me in full detail. Also they sent someone to my house to sign all the paperwork. It was an easy process. I would use the company again. Amanda M. WHAT OUR CUSTOMERS SAY. We deliver happiness by fostering it internally. So, it's an even happier day when customers recognize us for our service. More Happy Customers See Awards DIGITAL MORTGAGE The fast and convenient way to finance your home. Apply online any time, anywhere. Get real-time updates, electronically sign documents, and close your custom loan faster. WHAT MAKES PEYTON MANNING A FAN OF AMERICAN FINANCING? We make it easy to get a mortgage. Just tell us your financial goals, and we’ll guide you through options. Helping to find the best loan for your needs. No pressure. No upfront fees. It’s an experience that’s focused on you. YOUR CUSTOM MORTGAGE IS HERE Let a salary-based mortgage consultant design the perfect loan for your needs. You'll get a low rate, custom terms, and a fast closing. Get started today. 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