Access all the tools, training, and resources you need to grow your business with American Senior Lending.
Promote your services effectively with our ready-to-use marketing materials.
A HELOC is a revolving line of credit secured by the equity in your home, allowing you to borrow against that equity as needed.
You can borrow funds up to a certain limit for a set period, usually 10 years. You pay interest only on the amount you borrow, and once the draw period ends, you’ll enter the repayment period, where you’ll repay the principal and interest.
A HELOC offers flexibility, lower interest rates compared to other loans, and the ability to use the funds for various purposes, such as home improvements or supplementing retirement income.
If you fail to repay the borrowed amount, your home could be at risk of foreclosure. Additionally, HELOC interest rates are usually variable, which means your payments could increase over time.
Access all the tools, training, and resources you need to grow your business with American Senior Lending.
A mortgage is a loan used to purchase or refinance a home or other real estate, where the property itself serves as collateral.
We offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans.
Qualification depends on factors such as credit score, income, debt-to-income ratio, and down payment. Our loan officers can guide you through the specific requirements.
Pre-qualification gives you an estimate of how much you can borrow, while pre-approval involves a more thorough check of your financial situation and provides a conditional commitment from the lender.
Find detailed information on our range of mortgage products to better serve your clients.
Refinancing involves replacing your existing mortgage with a new one, typically to lower your interest rate, reduce monthly payments, or change the loan term.
Consider refinancing when interest rates drop significantly, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.
Costs may include application fees, appraisal fees, title insurance, and closing costs. Our mortgage calculator can help estimate these expenses.
Stay informed and compliant with the latest industry regulations.
It’s essential to understand your budget, see if you can get preapproved, and be aware of the various loan options available to you. We offer special programs to assist first-time buyers.
The down payment requirement varies based on the loan type, but it typically ranges from 3% to 20% of the home’s purchase price.
Closing costs include fees for loan processing, title insurance, and more. They usually range from 2% to 5% of the loan amount.
Utilize our advanced tools to streamline your workflow.
Common documents include proof of income, bank statements, tax returns, and identification.
The process typically takes 30 to 45 days, but this can vary based on your financial situation and the complexity of the loan.
Yes, our streamlined online application process allows you to apply for a mortgage from the comfort of your home.
We specialize in offering a wide range of mortgage and home equity products, delivering exceptional service and competitive pricing that helps you serve your clients better.
Start your journey with our free prequalification process. Fill out the form and one of our mortgage loan originators will contact you shortly to explore your options.
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Eric is a distinguished leader in the mortgage industry, with over 22 years of experience and 16 years focused on reverse mortgages for seniors. As Vice President of Consumer Direct at Reverse Mortgage Funding (RMF), he built and led a top-performing sales team of 90+ mortgage loan officers, securing RMF’s position as a top three lender and servicer monthly. Simultaneously, he co-led a retail team of 125+ outside originators, further expanding RMF’s market dominance.
Before RMF, Eric propelled Liberty Reverse Mortgage (formerly Genworth Financial) to the number one reverse mortgage retail lender in the nation by establishing a 100+ employee call center and managing 90+ nationwide loan originators.
Eric plays a pivotal role in marketing, enhancing referral partnerships, direct-to-consumer initiatives, and wholesale efforts through his leadership. His success is driven by data and performance tracking. Licensed in 11 states and a California Department of Real Estate Broker, Eric’s proven track record of leadership and innovation is poised to attract significant investment opportunities.
