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Types Of
Home Loans

Navigating The Mortgage Landscape.
Finding The Perfect Loan For You!

Choosing a home loan is a big commitment and learning about the different types of home loans can be like learning a new language–challenging. The good news is that we have a team of experienced Home Loan Experts to answer all of your questions and will be your guide to find the right home loan for you. We’ll partner with you, and keep you informed at every stage of your home financing journey. When you are a part of the AmeriHome family, we want you to know that we are invested in your financial success today and tomorrow.

What’s more, we put you in the driver’s seat and Deliver Loans at the Speed of You. That means we’ll work at your pace, when, and how you’d like. Whether you need to close quickly or have more time, we’ll provide the roadmap.

Mortgages Defined

Understanding mortgage loan types will help you to be knowledgeable and informed. When you work with our Home Loan Experts, we’ll provide customized lending solutions, helping you make decisions with honest and clear information. Let us help find the right AmeriHome loan for you today.

Loan Term Options

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20 To 30-Year Fixed-Rate Mortgage

Ideal for homeowners looking to stay in their homes for at least five to 10 years. A 20 to 30-year fixed-rate mortgage has a longer loan term giving you the flexibility to have more wiggle room in your budget with a lower payment over the life of the loan. Your monthly fixed-rate gives you peace of mind in knowing the exact amount you’ll be paying on your mortgage each month.

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10 To 15-Year Fixed-Rate Mortgage

The perfect loan if you want to save on interest and pay off your home sooner. With a 10 to 15-year fixed-rate mortgage, you keep more money in your wallet! This shorter-term option allows for optimal budget planning with a consistent monthly payment and an expedited path for financial growth.

Loan Types

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Conventional Loans

Fixed-rate mortgage and a great option if your credit score is in the good to excellent range.

  • Get started with a down payment as low as 3%
  • Higher amounts available
  • No Mortgage Insurance required 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

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FHA Loans

Fixed-rate mortgage with more relaxed eligibility requirements. Enjoy easier credit qualifications and higher debt to income ratio flexibility.

  • Get started with a down payment as low as 3.5%
  • Cash-out refinance available up to 80% of home value
  • Rate and term refinance available up to 97.75% home value

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VA Loans

Exclusive loan benefits open to active or retired military personnel, VA loans have more flexible credit requirements.

  • Get started with no down payment required with approved credit
  • Allows for higher debt to income ratios than conventional loans
  • No mortgage insurance needed
  • VA Refinance and Purchase solutions
  • Fixed-Rate loans available

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HomeReady® & Home Possible® Loans

Perfect for First Time Home Buyers—these loan programs offer an easier path to homeownership and refinancing.

  • Get started with a lower required down payment
  • Multiple down payment sources allowed
  • Lower credit score qualifications
  • Wider income flexibility
  • No cash-out refinancing
  • Ability to cancel mortgage insurance
  • Fixed-Rate loans available

Get Your Instant Rate Quote Below To Get Started

Your AmeriHome
Benefits!

FREE PRE-QUALIFICATION

AND PRE-APPROVAL

Your Home Buying Journey! Before you begin house hunting, get your pre-qualification in minutes to determine your budget so you can shop with confidence. Once you’ve found the home of your dreams, get your pre-approval the next business day for a specific loan amount.

Get Started

FREE MORTGAGE CHECKUPS

Keeping You In The Perfect Home Loan! Since your mortgage needs may change over time, we’ll stay in touch to evaluate your mortgage every six months to keep you on track with your home financing needs.
Instant Rate Quote

AmeriHome Rewards

Bonus! 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!
Learn More

Why Finance
With AmeriHome?

No Nonsense, No Hidden Fees, No Wasted Time.
Make a Decision About Your Mortgage With Confidence.

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Safe And Secure

We protect your data while it’s at rest or in transit with a defensive in-depth cybersecurity strategy.

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Transparent Pricing

What you see is what you get. We provide a clear explanation of loan costs and won’t surprise you with extra fees or hidden add-ons.

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Service And Loan Assistance

Our loan officers will be there for you every step of the way, helping you find a finance package that works with your lifestyle.

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No Pre-Payment Penalties

Pay off all of your debt as fast as you can, with no penalty. At AmeriHome, it’s our job to help you own your home free and clear, as fast as you can.

See What Other Customers Are Saying…

Trustpilot 5 Star Rating

THE CUSTOMER SERVICE WAS RED CARPET

My experience with AmeriHome has been a 5 star experience all the way. Mimi Le, the loan officer, was very personable and made sure that every question that I had was answered with a smile. The assistant, Elsie Barajas, continued this experience very professionally and gracefully and the processor, Kenneth Ornelas, got me to the finish line with making sure that I was 100% satisfied. Overall the customer service was red carpet all the way. I’m glad to have worked with such professionals and friendly team. I would refer AmeriHome to my family, friends and loved ones.

~ Twana R.

Trustpilot 5 Star Rating

HIGHLY RECOMMEND AMERIHOME MORTGAGE

What a pleasant loan process from application to signing. Loan consultant worked with me every step of the way to find the best solution for my needs, explained everything clearly, made sure everything went smooth. Highly recommend AmeriHome Mortgage. Thanks for the great service.

~ Kyle

Trustpilot 5 Star Rating

I WILL RECOMMEND THIS COMPANY

This has been such a delightful process. The team that assisted in our Loan process was the best I have ever encountered. We were always aware of what was going on. The loan [officer] Sean Grote and his assistant Aryana Mata not only contacted us through email but also made personal phone calls to keep us informed. They made sure all our questions were answered. The processor Marie [Eliasson] that completed the loan was always available, very professional and a pleasure to work with. I will recommend this company!!!!!

~ Tina-Tim Wood

All reviews are sourced from TrustPilot.

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Be A Part Of
AmeriHome Rewards

With our AmeriHome Rewards program, when you finance a loan with us ONCE, you’ll save $1,095 on ALL future refinances or home purchases.* See Details.

Get Started Now.

Contact your Home Loan Expert to learn more.

We’ll Work At Your Pace.
We Deliver Loans At The Speed Of You!

Be sure to give us a call to speak with one of our Home Loan Experts about your customized home finance evaluation and getting the perfect home loan.

Lets Get Started!

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Customer Support

  • Customer Service for existing accounts:
  • 888.469.0810
  • Mon-Fri 8am-5pm Pacific
  • Mortgage refinance application and status:
  • Thousand Oaks, CA 91362-3888
  • 844.272.5617
  • Address

  • AmeriHome Mortgage Company, LLC
  • NMLS ID 135776
  • Company Headquarters
  • 1 Baxter Way, Suite 300
  • Thousand Oaks, CA 91362-3888
  • AmeriHome Mortgage A Western Alliance Bank Company Logo In White

    Phone

    Top Workplaces Award 2021
    Better Business Bureau Accredited Business A+ Rating
    Better Business Bureau Accredited Business A+ Rating
    Top Workplaces Award 2021

    *By refinancing, your total finance charge could be higher over the life of the loan.

    © AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Lender.

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