Home financing that gets you home.
Buying, refinancing, or investing — we shop your loan across our lending partners and guide you from pre-approval to closing. Serving borrowers in California, Florida, and Washington.
What can we help with?
Pick one to get started — it takes about 2 minutes.
Buy a homePre-approval & purchase loans RefinanceLower payment or change your term Cash-out or HELOCTap your home equity Self-employed / Non-QMBank statement, ITIN, DSCR & moreA loan for every chapter
Whether it's your first home, your forever home, or your next rental, we'll match you with a program that fits your goals.
Home Purchase
Conventional financing with flexible down payment options and fast pre-approvals so your offer stands out.
VA Loans
For veterans, active-duty service members, and eligible surviving spouses. From one veteran to another.
FHA & First-Time Buyers
Lower down payment options and more flexible credit guidelines to help you get into your first home.
Refinance & Cash-Out
Lower your payment, change your term, drop mortgage insurance, or pull cash out to consolidate debt or fund your next goal.
HELOCs & Second Mortgages
Access your equity without touching your low first-mortgage rate — a line of credit or a fixed closed-end second.
ADU Financing
Build a backyard cottage, garage conversion, or in-law unit — financing for construction or to buy a home with an ADU.
Bank Statement Loans
Self-employed? Qualify using 12 or 24 months of personal or business bank statements instead of tax returns.
ITIN Loans
Home financing for borrowers with an Individual Taxpayer Identification Number — no Social Security number required.
DSCR Investor Loans
Qualify on the property's rental income, not your personal income. Ideal for long-term and short-term rentals.
Non-QM Loans
When traditional guidelines don't fit your situation, Non-QM programs offer flexible ways to qualify.
Four simple steps to closing
We keep you informed at every stage so there are no surprises.
Tell us your goal
Complete a quick inquiry or call us. We'll review your situation and walk you through your options.
Apply securely online
Fill out your application and upload documents through our secure borrower portal, any time, from any device.
Compare & lock
We shop your scenario with our lending partners and walk you through your Loan Estimate line by line.
Close with confidence
We coordinate with your agent, escrow, and title so closing day goes smoothly.
See what you may qualify for
Answer a few quick questions and we'll follow up with options tailored to you.
- Takes about 2 minutes
- Your information is encrypted and secure
- A licensed loan originator reviews every request
- Ready to go further? Start the full application anytime
Service you can count on
American Home Loan Center is led by Andrés Morales, a licensed mortgage loan originator, California real estate broker, and U.S. Navy veteran with more than two decades of experience in real estate.
That background means we understand the whole transaction — not just the loan. We work closely with buyers, sellers, agents, and escrow to keep your purchase or refinance on schedule, and we take the time to explain every option in plain language.
Whether you're a first-time buyer, a fellow veteran, or a seasoned investor, you'll work directly with a licensed professional from application to closing.
Talk With AndrésAndrés Morales
Licensed in three states
California
From Southern California to the Bay Area
Florida
Statewide purchase & refinance lending
Washington
Home office in Lakewood, WA
Mortgage tips & guides
Straight answers to the questions we hear most.
VA Cash-Out Refinance: How Veterans Can Turn Home Equity Into Cash
How a VA cash-out refinance works, how much equity veterans can access, what it costs, and smart ways to use the funds. Serving CA, FL and WA.
Read article →Self-Employed? How to Qualify for a Mortgage (Including Bank Statement Loans)
Self-employed borrowers: how to qualify for a mortgage, what documents lenders need, and when a bank statement loan beats a traditional loan.
Read article →What You Need to Get Pre-Approved for a Mortgage: A Checklist
A simple mortgage pre-approval checklist: credit, DTI, documents, and how long pre-approval takes. Get pre-approved in California, Florida or Washington.
Read article →Frequently asked questions
What loan programs does American Home Loan Center offer?
We offer home purchase loans, VA loans, FHA loans, conventional loans, rate-and-term and cash-out refinancing, HELOCs and second mortgages, ADU financing, bank statement loans, ITIN loans, DSCR investor loans, and other Non-QM programs.
Which states is American Home Loan Center licensed in?
We are licensed to originate residential mortgage loans in California, Florida, and Washington. Our office is at 10524 Bridgeport Way SW, Lakewood, WA 98499.
Can I get a mortgage if I'm self-employed?
Yes. Along with traditional loans, self-employed borrowers can qualify with bank statement loans that use 12 or 24 months of deposits instead of tax returns, as well as P&L-only, 1099, and asset-depletion programs.
Do you offer ITIN loans?
Yes. ITIN loans let borrowers with an Individual Taxpayer Identification Number qualify for a home loan without a Social Security number.
Can I finance an ADU (accessory dwelling unit)?
Yes. We can help finance the construction of an ADU, such as a backyard cottage or garage conversion, or the purchase of a home that already has one, using options like cash-out refinancing, HELOCs, and renovation loans.
Do you help veterans with VA loans?
Yes. American Home Loan Center is veteran-owned. VA loans offer no down payment and no monthly mortgage insurance, and VA cash-out refinancing lets eligible veterans access home equity.
How do I apply?
You can apply online through our secure borrower portal, request a quote in about two minutes, or call 855-724-5626 to speak with a licensed loan originator.
Ready to get started?
Apply online in minutes, or call and talk with a licensed loan originator.