Your Trusted Mortgage Lender
American 1st Home Loans was built on one principle: every borrower deserves honest guidance, competitive rates, and a loan officer who actually picks up the phone.
Our Story
American 1st Home Loans was founded to solve a problem every homebuyer knows too well — a mortgage process that's slow, confusing, and full of surprises at closing. We set out to change that.
Our team of licensed loan officers brings deep knowledge of diverse real estate markets across the regions we serve. We understand local property values, county-specific loan limits, and the programs that actually work for our borrowers.
We work with a wide range of borrowers: first-time buyers navigating the process for the first time, self-employed professionals who need flexible documentation, real estate investors scaling their portfolios, and homeowners looking to refinance into better terms. Whatever your situation, we find the right loan.
What We Stand For
Transparency
No hidden fees, no bait-and-switch rates. You'll know exactly what you're getting before you sign anything.
Speed
We move fast. Pre-approvals, underwriting, and closings happen on your timeline — not ours.
Expertise
Our loan officers are local specialists. We know the programs, the limits, and the lenders that deliver.
Accessibility
We work with a wide range of credit profiles and income types. If there's a loan that fits, we'll find it.
Licensing & Compliance
Regulatory Disclosures
American 1st Home Loans is licensed to originate mortgage loans in the State of California under the California Department of Financial Protection and Innovation (DFPI).
NMLS #1285698. You may verify our license status at the Nationwide Multistate Licensing System & Registry (NMLS) Consumer Access website at nmlsconsumeraccess.org.
This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms are subject to change without notice.
Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
Verify our license at NMLS Consumer AccessLicensed by the California Department of Financial Protection and Innovation (DFPI)
Ready to Work With Us?
Get pre-approved today and experience the American 1st difference.
Apply NowNMLS #1285698 · Licensed in California · Equal Housing Lender