American Heritage Lending

Fix and Flip Loans Approved Quickly

Top lender for real estate investors. Loan Amount from $100k – $2M

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PROPERTY TYPES: Fix and flips, distressed properties, and non-arm’s length transactions.

LOAN AMOUNT: $100,000 – $2,000,000

TERM: 6 to 24 month interest-only loans available.

LOANS AVAILABLE: Loans are available to individuals with or without stated income, trusts, corporations, and limited partnerships.

Close more deals and grow your real estate business faster.
We deliver fast funding with competitive rates.

Asset Based

Secure loans are available to borrowers with imperfect credit scores, as they are based on the property's value rather than personal credit history

Flexible Financing

Most lenders avoid distressed properties, we approve any level of distress and fund your fix-and-flip or fix-and-rent investment property.


Lower down payment and interest rates mean more equity, and more cash flow for you. Choose from our competitive rates and leverage options to find the right loan.

Lending Services

We are a team of mortgage professionals committed to assisting you in making informed financial decisions that suit your individual needs.

How Are We Different From Others?

Get a Pre-approval Letter Today

No Hidden Fees, No Obligation

Property-based income assessment

No Income Documentation

Minimum Credit Score 660+

No Pesky Tax Returns Required *

* For Non Owner Occupied Homes Only

American Heritage Lending - Premier Lender to Real Estate Investors

Funding in As little as 7 days

No Hidden


20+ Years


Based on 154 reviews
Nathan Chick
Nathan Chick
I did a fix and flip loan with them and closed in 11 business days, incredible. Did a fantastic job, Thanks for everything Marquis!
heath russell
heath russell
Working with Jessica was a wonderful experience. The loan went through very smoothly and I would recommend American Heritage Lending for anyone looking for real estate lending.
Merv Bannister
Merv Bannister
We transferred two difficult, DSCR loans to AHL from another lender. Working closely with the AE, Mike Moss, inside account managers and the underwriter, were able to close both loans in under 30 days. The communication and quick response during the loan process made the experience effortless. Their portal is easy to follow, and the "points stacking" places them head and shoulders above the competition.
O_m_a_r Vare_la
O_m_a_r Vare_la
I recently had the pleasure of working with American Heritage Lending for my home loan, and I couldn't be more impressed with the level of service I received. From the initial inquiry to the closing date, the communication was impeccable. Jessica Reynolds, my loan officer, was incredibly professional and responsive throughout the entire process. She ensured that there were no delays and that we met our closing date without any issues. I highly recommend American Heritage Lending for anyone seeking a smooth and efficient lending experience.
Steven Narvaez
Steven Narvaez
I want to emphasize my gratitude for the excellent experience I had working with Marquis Escobar. Right from the start, he demonstrated exceptional knowledge and assistance. Marquis consistently went above and beyond to keep things on track and successfully facilitated financing for our rental property. His clear expectations from the beginning and avoidance of unexpected surprises make him someone I'll continue to do business with and recommend wholeheartedly.
Kyle Jones
Kyle Jones
Greg is so easy to work with. Guy is top notch and the best to use for DSCR loans. Have used him multiple times. Will continue to use American Heritage because of Greg.

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You don’t have to wait or compare rates from multiple sources. Fill out our form, and we’ll beat your best rate quote today. It’s time to get the funds you need.

No Impact to Your Credit Score

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2024 © Copyright American Heritage Lending, LLC. Submission Disclaimer By clicking Submit, (1) you expressly consent to having American Heritage Lending contact you about your inquiry by phone (including usage of an automatic telephone dialing system), whether by a voice call, ringless voicemail, or by text messaging, to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any service from American Heritage Lending. I understand I can withdraw my consent at any time; and (2) you represent that you are not a resident of the State of New York. If you are a resident of the State of New York, please contact American Heritage directly via email at or by telephone at +1 (888) 501-9033 AMERICAN HERITAGE LENDING, LLC STATE LICENSING INFORMATION – NMLS ID: 93735 Click here for access to the Consumer NMLS FHA Lender ID 27897-0000-1⋅ VA Lender ID 902138-00-00 State licenses: Alabama Consumer Credit License 23291; Arizona Mortgage Banker License 0912684; Arkansas Combination Mortgage Banker-Broker-Servicer License 130360; California – Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California – DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Connecticut Mortgage Lender License ML-93735; Florida Mortgage Lender License MLD94; Georgia Mortgage Lender License 93735; Idaho Mortgage Broker/Lender License MBL-2080093735; Illinois Residential Mortgage License MB.6761561; Indiana-DFI Mortgage Lending License 58918; Iowa Mortgage Banker License 2018-0155; Kansas Mortgage Company License MC.0025684; Kentucky Mortgage Company License MC741639; Maine Supervised Lender License 93735; Maryland Mortgage Lender License 93735; Massachusetts Mortgage Lender License ML93735; Michigan 1st Mortgage Broker/Lender License FL0023340; Minnesota Residential Mortgage Originator License MN-MO-93735; Minnesota Residential Mortgage Originator License MN-MO-93735; Montana Mortgage Lender License 93735; Nebraska Mortgage Banker License 93735; New Hampshire Mortgage Banker License 23855-MB; New Jersey Residential Mortgage Lender License; New Mexico Mortgage Loan Company License; North Carolina Mortgage Lender License L-204931; Ohio Residential Mortgage Lending Act Certificate of Registration RM.804862.000; Oklahoma Mortgage Lender License ML015518; Oregon Mortgage Lending License ML-4808; Pennsylvania Mortgage Lender License 81773; South Carolina-BFI Mortgage Lender / Servicer License MLS-93735; Tennessee Mortgage License 93735; Texas – SML Mortgage Banker Registration; Washington Consumer Loan Company License CL-93735; West Virginia Mortgage Lender License ML-93735; Wisconsin Mortgage Banker License 93735BA; Wyoming Mortgage Lender/Broker License 4894 American Heritage Lending, LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract).

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