Your Dream Home Starts Here
Lower rates. Fast approvals. Expert guidance from your trusted mortgage lender.
Loan Programs Built for Every Borrower
From first-time buyers to seasoned investors — we have the right loan for you.
FHA Loans
Low down payment options backed by the Federal Housing Administration — ideal for buyers with less-than-perfect credit.
VA Loans
Zero down payment for eligible veterans, active-duty service members, and surviving spouses. No PMI required.
Conventional Loans
The most widely used mortgage — flexible terms, competitive rates, and down payments as low as 3%.
Jumbo Loans
Financing above conforming limits for luxury and high-value real estate markets.
Non-QM Loans
Flexible qualification for self-employed borrowers, investors, and those with non-traditional income.
DSCR Loans
Qualify on rental income — not personal income. The investor's favorite for scaling a rental portfolio.
Self-Employed Loans
Bank statement and P&L programs that qualify you on your actual income — not just tax returns.
Refinance
Lower your rate, reduce your payment, or access cash from your home's equity with a refinance.
Debt Consolidation
Roll high-interest debt into a single, lower-rate mortgage payment and simplify your finances.
Why Borrowers Choose American 1st
Lower Rates
We shop multiple lenders to secure the most competitive rates available.
Fast Approvals
Streamlined process with dedicated loan officers who move fast so you never miss a deal.
Local Experts
Deep knowledge of local real estate markets, regulations, and lending landscape.
How It Works
Three simple steps to your new home loan.
Apply Online
Complete our secure online application in minutes. No paperwork, no hassle.
Get Pre-Approved
Our team reviews your application and delivers a pre-approval decision fast.
Close Your Loan
We guide you through closing with clear communication every step of the way.
Borrower Stories
Real Borrowers. Real Results.
Hear from homeowners and investors who trusted American 1st Home Loans to get them to the closing table.
"I was skeptical after getting the runaround from two other lenders. American 1st had me pre-approved in 24 hours and closed in under 30 days. As a veteran, I couldn't have asked for a smoother VA loan experience."
Marcus T.
San Diego, CA
"Our loan officer walked us through every step as first-time buyers. We locked in a rate 0.5% lower than what our bank quoted us. The whole process felt transparent — no surprises at closing."
Priya & Raj S.
Irvine, CA
"As a self-employed business owner, I'd been turned down twice before. American 1st used my bank statements instead of tax returns and got me approved for a loan I thought was out of reach. Game changer."
David L.
Sacramento, CA
"I refinanced my mortgage and dropped my monthly payment by over $400. The process was fast, the communication was excellent, and my loan officer was upfront about every fee. I'll never go anywhere else."
Jennifer M.
Los Angeles, CA
Ready to Get Started?
Apply online in minutes and get pre-approved fast. The best rates are waiting.
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