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541-957-7777
Loan Type - Rate - APR

DISCLOSURE
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SINCE RATES ARE SUBJECT TO CHANGE AND MAY OFTEN CHANGE THROUGH OUT THE DAY, PLEASE CONTACT AMERICAN HOME LENDING, LLC. LOAN PROGRAMS AND GUIDELINES ARE SUBJECT TO CHANGE AS WELL. RATES ARE NOT GUARANTEED UNTIL A LOAN IS LOCKED. ALL LOANS ARE SUBJECT TO CREDIT INFORMATION GIVEN, AN ACCEPTABLE PROPERTY APPRAISAL, AND NO CHANGES IN THE BORROWERS FINANCIAL STATUS, EMPLOYMENT, OR CREDIT. LOAN APPROVALS ARE SUBJECT TO ALL TERMS OF THE UNDERWRITING / CONDITIONS LETTER OF THE LENDER. PLEASE CALL ONE OF OUR LOAN PROFESSIONALS FOR CURRENT RATES AND GUIDELINES.

**OTHER TERMS AND RESTRICTIONS MAY APPLY

FHA
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This loan requires a minimum of 3.5% down of the purchase price and mortgage insurance is required. The down payment can be gifted by a family member. There is a maximum loan amount allowed and that amount is determined by county. In Douglas County the maximum loan amount is $271,050.00 (Call for loan limits on other Oregon counties). Debt to income ratios do apply, however there are no income restrictions. Home must be owner occupied. Purchase and Refinance programs available. Please call for rates and additional guidelines and information.


**OTHER TERMS AND RESTRICTIONS MAY APPLY.

VA-FEDERAL
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You must be a veteran with an honorable discharge to apply for this loan. This loan offers 100% financing and no mortgage insurance is required! There is no income limitation, however specific debt to income ratios do apply. This loan program can be used multiple times but any previous VA loan(s) must be paid in full and restored before any subsequent uses can apply. Home must be owner occupied. Please call for rates, additional guidelines and information.

**OTHER TERMS AND RESTRICTIONS MAY APPLY.



USDA GUARANTEED- 30 YEAR FIXED- Rural Housing
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This is an incredible purchase loan program which allows 102% financing of the appraised value. No down payment and no first time home buyer requirement! USDA Rural Development home loans offer qualified borrowers a chance to obtain a home loan with easier qualifications and financing options than other conventional loans. This program is more tolerant of past credit challenges and offers great 30 year fixed rates. Specific debt to income ratios and maximum income limits do apply. Guaranteed loans can be made on either new or existing homes. Home must be owner occupied and cannot be used for income producing purposes. Please call for current rates, additional guidelines and information.

**OTHER TERMS AND RESTRICTIONS MAY APPLY.
CONVENTIONAL-15 YEAR FIXED
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A 15 year fixed rate mortgage reduces the amount of interest paid over the life of the loan by accelerating the principal reduction. A 15 year fixed rate mortgage also provides you with the security of a monthly principal and interest payment that never increases because the interest rate never changes during the term of the loan. The only change could be an increase or decrease in the amount the lender collects for mortgage insurance, real estate taxes, or property insurance (escrow payment). This program allows for a variety of down payment options. With a down payment amount of less than 20%, mortgage insurance will be required. This program can be used to purchase or refinance a home and is available for Owner Occupied, 2nd Homes, and Vacation Homes. Please call for rates, additional guidelines and information.



**OTHER TERMS AND RESTRICTIONS MAY APPLY.


CONVENTIONAL-30 YEAR FIXED
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A 30 year fixed rate mortgage loan provides you with the security of a monthly principal and interest payment that never increases because the interest rate never changes during the term of the loan. The only change could be an increase or decrease in the amount the lender collects for mortgage insurance, real estate taxes, or property insurance (escrow payment). This program allows for a variety of down payment options. With a down payment amount of less than 20%, mortgage insurance will be required. This program can be used to purchase or refinance a home and is available for Owner Occupied, 2nd Homes, and Vacation Homes. Please call for rates, additional guidelines and information.

**OTHER TERMS AND RESTRICTIONS MAY APPLY.



CONVENTIONAL-15 YEAR FIXED- Investment Property
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This program allows for the purchase or refinance of an investment property. A 15 year fixed rate mortgage loan provides you with the security of a monthly principal and interest payment that never increases because the interest rate never changes during the term of the loan. The only change could be an increase or decrease in the amount the lender collects for mortgage insurance, real estate taxes, or property insurance (escrow payment). On a purchase of an investment property there is a minimum of 20% down. On a refinance of an investment property there is a maximum of 80% loan to value. Please call for rates, additional guidelines and information.

*The rate quoted is for a purchase with a 15 year fixed rate loan, investment property, single family residence, 75% financing, 720+ credit score, escrow impound account, and a loan amount over $150,000.00


**OTHER TERMS AND RESTRICTIONS MAY APPLY.



CONVENTIONAL-30 YEAR FIXED- Investment Property
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This program allows for the purchase or refinance of an investment property. A 30 year fixed rate mortgage loan provides you with the security of a monthly principal and interest payment that never increases because the interest rate never changes during the term of the loan. The only change could be an increase or decrease in the amount the lender collects for mortgage insurance, real estate taxes, or property insurance (escrow payment). On a purchase of an investment property there is a minimum of 20% down. On a refinance of an investment property there is a maximum of 80% loan to value. Please call for rates, additional guidelines and information.

**OTHER TERMS AND RESTRICTIONS MAY APPLY.
MANUFACTURED HOMES
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We currently are able to offer VA, FHA, and Conforming loans on manufactured homes. All manufactured homes must be 1995 or newer and the land must be included. We are unable to finance manufactured homes in parks. Please call for rates, additional guidelines and information.

**OTHER TERMS AND RESTRICTIONS MAY APPLY.