WHY US?
If you are looking for a trusted mortgage broker in Utah? American Lending Company specializes in first-time homebuyer loans, Investment Loans, FHA, and Down Payment Assistance. Fast closings, bilingual service
—HABLAMOS ESPAÑOL—
QUICK AND EASY LOAN PROCESS
Choose Your Home
We'll take care of the rest
HOW IT WORKS!?
Expert Guidance
With over 15 years of cumulative experience, we have the expertise to navigate the complexities of mortgage lending. Whether you’re a first-time homebuyer or an experienced investor, we offer tailored solutions to meet your unique needs.
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Schedule a meeting
Schedule a meeting with our professionals. We will obtain your information to develop a strategy for your next purchase or refinance. Whether it is a Primary home or and Investment home, we handle them all.
3
Close on your loan
We strive to make the loan process as simple and smooth as possible. Close on your loan in 30 days or less; and start moving into your future home, It is that simple! Really, it is!
Outstanding Customer Service
Our commitment to customer satisfaction is unwavering. We strive to offer a personalized experience, making your needs our top priority. From initial consultation to closing, we are here to support you every step of the way.
Frequently Asked Questions (FAQ)
Mortgages Made Simple
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How much do I need for a down payment?
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Most first-time buyers can purchase a home with as little as 3–5% down, depending on the loan type. Some special programs offer assistance with down payments.
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What credit score do I need to qualify for a mortgage?
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Conventional loans generally require a credit score of 620+, FHA loans as low as 580 (sometimes lower with more money down). Higher scores can mean better rates and lower monthly payments.
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What documents are needed to apply?
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Be prepared with recent pay stubs, W-2s, bank statements, and ID. We’ll guide you step-by-step and provide a list.
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How does pre-qualification work?
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Pre-qualification shows sellers you’re a serious buyer. We’ll review your income, credit, and debts to issue a free pre-qualification letter.
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How long does the mortgage process take?
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Most loans close in about 30 days or less, but quick responses help! Our average is around 3 weeks.
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Do I need perfect credit to buy a home?
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Not at all. We help clients with a wide range of credit histories find the right loan options.
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