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Home Loan Programs

Whether you are thinking of buying your first home, looking to upgrade to the home of your dreams or wanting to refinance your existing home, American Heritage Bank has a solution that is right for you.

  • Conventional Fixed Rate Mortgages for short and/or long term loans
  • Mobile Home Loans
  • Land/Lot Loans
  • Home Equity Line of Credit (HELOC)
  • Interim Financing, such as construction loans and bridge loans
  • Restoration Loan Program (for owner occupied and non-owner occupied real estate)
  • Investor Loan Program for residential properties
  • Jumbo Loans (for Real Estate loans exceeding $484,350)
Secondary Market

To better serve our customers, we also offer Secondary Market loans. There are several products available to fit your individual needs. Please contact our secondary mortgage specialists for more details.


  • Minimum down payment required
  • Same day pre-qualifications
  • Cash out refinances
  • Seller may contribute a portion of the closing costs
  • Available for second homes
  • For loans $50,000 to $484,350


  • Minimum down payment required
  • Seller may contribute a portion of the closing costs
  • For loans $50,000 to $314,827

Rural Development

  • No down payment required
  • Seller may contribute a portion of the closing costs
  • Guaranteed program through USDA
  • Only available in areas approved for Rural Development
  • Eligibility / loan amount determined by location and income


  • Available to active, retired and spouses of military personnel
  • 0% down payment
  • For loans $50,000 to $484,350

A real estate loan officer or your local branch manager can assist you in finding the best real estate loan program to fit your needs.

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