What are the opening hours?

Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8:30am - 5pm Friday 8am - 5pm

American Heritage Lending

Home
United States
Irvine, CA
American Heritage Lending

American Heritage Lending, LLC provides innovative Non-QM and Investor loan solutions with speed, flexibility, and trusted industry expertise. | NMLS #93735

10/29/2026

🎃 𝗡𝗼 𝗧𝗿𝗶𝗰𝗸𝘀. 𝗝𝘂𝘀𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴.
Every borrower and every scenario is different. That’s why one-size-fits-all lending doesn’t always work.

From 𝗮𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 𝗮𝗻𝗱 𝗳𝗹𝗲𝘅𝗶𝗯𝗹𝗲 𝗡𝗼𝗻-𝗤𝗠 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀, AHL gives brokers more ways to find a path forward, even when the scenario falls outside the traditional lending box.

10/27/2026

A rental purchase in Abilene, TX closed on the strength of the property's own numbers, not the borrower's pay stubs.

A DSCR purchase loan let this investor qualify using the rent the property would bring in, at a loan-to-value most conventional purchase programs won't match for an investment property.

🏠 $209,600 funded at 80% LTV
📊 1.127 DSCR, rental income comfortably clears the new payment
🏡 Single-family rental, appraised at $262,000
📅 30-year fixed term, qualified on the property's income alone

Higher leverage, still underwritten on rent. That's the DSCR trade-off working as intended.

10/26/2026

🌴𝗡𝗲𝘅𝘁 𝗦𝘁𝗼𝗽:Pasadena, California!
American Heritage Lending is heading to the California Mortgage Expo on November 17, and we’re excited to connect with mortgage professionals!

Stop by Booth 550 to meet our team and discover how our flexible Non-QM loan programs can help you find more financing solutions for your borrowers.

📍 Pasadena, CA
📅 November 17
🎟️ Booth 550

𝗟𝗲𝘁'𝘀 𝗰𝗼𝗻𝗻𝗲𝗰𝘁 𝗮𝗻𝗱 𝘁𝗮𝗹𝗸 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀!

10/23/2026

𝗠𝗢𝗥𝗘 𝟱 𝗥𝗘𝗩𝗜𝗘𝗪𝗦, ⭐⭐⭐⭐⭐!
𝗥𝗲𝗮𝗹 𝗳𝗲𝗲𝗱𝗯𝗮𝗰𝗸. 𝗥𝗲𝗮𝗹 𝗱𝗲𝗮𝗹𝘀. 𝗥𝗲𝗮𝗹 𝗿𝗲𝘀𝘂𝗹𝘁𝘀.

10/23/2026

Want to buy a rental property but worried your income won’t qualify?

Welcome to the AHL Minute. 🎬

In 60 seconds, Adam Anderson breaks down the DSCR loan. You qualify on the income the property brings in, not your personal paperwork.

❌ No pay stubs
❌ No W-2s
❌ No personal tax returns

It works for long-term and short-term rentals. It’s a business purpose loan, so it’s for investment properties only.

What should we explain in the next AHL Minute? Tell us in the comments. 👇

Got a scenario? Let’s get it funded at https://na2.hubs.ly/H08zmKR0

10/22/2026

🦇 𝗡𝗼 𝗧𝗮𝘅 𝗥𝗲𝘁𝘂𝗿𝗻𝘀? 𝗡𝗼 𝗙𝗿𝗶𝗴𝗵𝘁.
For borrowers who may not qualify using traditional income documentation, there are still options.

With 𝗕𝗮𝗻𝗸 𝗦𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁𝘀, 𝟭𝟬𝟵𝟵𝘀, 𝗔𝘀𝘀𝗲𝘁 𝗤𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗿 𝗮𝗻𝗱 𝗼𝘁𝗵𝗲𝗿 𝗮𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗽𝗿𝗼𝗴𝗿𝗮𝗺𝘀, AHL helps brokers find more ways to structure the right financing solution.

10/20/2026

The rent covers the payment. That’s how this one got funded. 📍 Lansing, MI

This single-family rental closed on a DSCR rate-and-term refinance. The loan was based on the property’s rental income, not the owner’s personal income.

🏠 Appraised: $291,000
💰 Funded: $216,975
📊 75% LTV | 30-year term
✅ 1.00 DSCR
At a 1.00 DSCR, the rent covers the full payment. That’s what qualified it.
Thinking about refinancing a rental? Start with the rent.

Get pre-qualified in minutes.

10/15/2026

🪦 𝗗𝗼𝗻’𝘁 𝗟𝗲𝘁 𝗮 𝗚𝗼𝗼𝗱 𝗗𝗲𝗮𝗹 𝗗𝗶𝗲.
When timing matters, slow or inflexible financing can turn a strong opportunity into the deal that got away.

AHL combines flexible 𝗡𝗼𝗻-𝗤𝗠 𝗮𝗻𝗱 𝗕𝗿𝗶𝗱𝗴𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 to help brokers and investors keep more opportunities moving forward when traditional options may not fit.

10/14/2026

🎲 𝗩𝗲𝗴𝗮𝘀, 𝗛𝗲𝗿𝗲 𝗪𝗲 𝗖𝗼𝗺𝗲!
AHL is headed to 𝗡𝗔𝗠𝗕 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝟮𝟬𝟮𝟲 this week! We're excited to connect with mortgage professionals, strengthen partnerships, and share flexible Non-QM and investor financing solutions that help brokers do more business.

📍 Caesars Palace | Las Vegas, NV
📅 October 16–19, 2026

𝗔𝘁𝘁𝗲𝗻𝗱𝗶𝗻𝗴 𝗡𝗔𝗠𝗕? Stop by and see us!

10/13/2026

Five rental properties in, this investor wasn't done building.

He needed to pull equity out of a performing rental in Inverness, FL, without disrupting the income it already produces. A DSCR cash-out refinance let the property's own rental income qualify the loan, so his tax returns never entered the conversation.

💰 $114,000 cashed out at a conservative 60% LTV
📊 1.401 DSCR, rental income comfortably covers the new payment
🏡 Single-family rental, appraised at $190,000
📅 30-year fixed term, qualified on property income alone

Conservative leverage and strong coverage made this one straightforward to close, capital he can now redeploy into his next acquisition.

Address

19800 MacArthur Boulevard, Suite 950
Irvine, CA
92612

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8:30am - 5pm
Friday	8am - 5pm

Website

https://ahlend.com/

Alerts

Be the first to know and let us send you an email when American Heritage Lending posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.