Top 10

Mortgage lender*

$34 Billion

Annual mortgage volume*

250,000 Loans

Serviced today

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!

See how

Instant Rate Quote

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

See my rate now

AmeriHome Cares

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 Refinance that works for you

Asset 2 KEY BENEFITS
Asset 8 REFINANCE
Asset 7 CASH-OUT REFINANCE
Asset 1 INTEREST RATE
Asset 6 LOAN AMOUNT
Asset 11 LOAN TERM OPTIONS
Asset 5 CREDIT SCORE
Asset 9 OCCUPANCY
Asset 10 MORTGAGE INSURANCE
Asset 2 KEY BENEFITS
Asset 8 REFINANCE
Asset 7 CASH-OUT REFINANCE
Asset 1 INTEREST RATE
Asset 6 LOAN AMOUNT
Asset 11 LOAN TERM OPTIONS
Asset 5 CREDIT SCORE
Asset 9 OCCUPANCY
Asset 10 MORTGAGE INSURANCE

Conventional Loans

More loan options; Offers great loan terms to those with higher credit scores; Mortgage insurance may not always be required; Higher loan amounts available.

FHA Loans

Easier credit qualifications; May qualify with a lower credit score and lower income; Fast and easy refinance process for those with existing FHA mortgages; Less home equity required to refinance.

Conventional Loans

• No home appraisal required (in certain cases).
• Requires asset and income verification and 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

Fixed 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 loan.

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

Owner occupied, second home, or investment property.

FHA Loans

Owner occupied only.

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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