American 1st Home Loans is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
We can assist you by Refinancing into a lower payment with various programs to help improve and leverage your financial position. Better Rates and Fast Service is what we do! The housing market has many phases from the eager first time homebuyer to upgrading due to a larger family, then downgrading for empty nesters and finally, your last home purchase - retirement.
We can assist you by Refinancing into a lower payment with various programs to help improve and leverage your financial position. Better Rates and Fast Service is what we do! The housing market has many phases from the eager first time homebuyer to upgrading due to a larger family, then downgrading for empty nesters and finally, your last home purchase - retirement.
Services
The most popular home financing product has long been the fixed rate mortgage. With a fixed interest rate, your rate never changes. Fixed Rate Loan Programs provide the same expected monthly payments throughout the life of the loan. Fixed rate mortgages can be good for People who intend to own their home for more than 5-7years.
A mortgage broker is a real-estate financing expert who specializes in the origination of residential mortgage loans. American 1st Home Loans has access to wholesale rates, We offer Wholesale Lending are able to offer rates at a far more affordable cost than traditional Banks. We can close much faster!
Below is a list of documents that are required when you apply for a Home Mortgage. However, every circumstance is unique and you may be required to arrange for additional documentation. Verification of the deposit you placed on the home typically called Earnest Money Deposit "EMD". Names, addresses and telephone numbers of all Realtors, Escrow, Title individuals involved in the transaction.
If you make a down payment of less than 20% of the purchase price of the home, mortgage lenders usually require that you take out Private Mortgage Insurance (PMI) that shields the lender in case you default on your mortgage payment. You may need to pay up to a year's worth of premium for this coverage at closing.
American 1st Home Loans offers a variety of loan programs. Perhaps you might be looking for your first home, an investment home or even a second/vacation home. Maybe you just need to only refinance your existing mortgage into a lower fixed rate or refinance your mortgage while consolidating other high interest loans/lines.
Reviews (17)
Ricardo G.
May 27, 2021
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Robert C.
Feb 03, 2021
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For any real estate needs, Broker Lohman is the MAN! Jerry provided excellent service, displaying high level knowledge of the business. As a first time home buyer, Jerry ensured a stress free process with purchasing my first home. Jerry was accommodating, immensely professional and was a very proficient communicator. We viewed 10 homes on a Saturday afternoon, made an offer on the house I requested, and shortly after, Jerry closed the deal. If you're searching to purchase real estate, I HIGHLY RECOMMEND Jerry. You won't be disappointed.
Grace O.
Jun 18, 2020
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I highly recommend using American First when buying and selling your home. Jerry sold our townhome within a month. We were so happy with his professionalism and communication that we decided to use him to buy our next home. With all the competition against other buyers, who offered more than us, Jerry was able to get us our absolute dream home! Thanks Jerry!
R. G.
Aug 21, 2019
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We just completed a refinance with Jerry. We had a great experience, overall everything was very transparent from the beginning. He was very good at explaining all the details. My husband is very good with numbers as well so both of them together we able to come up with a loan that is perfect for our budget. We learned a few things we didn't know so for me that's always a plus, I don't ever want to stop learning. I do have another home that I will soon refinance with Jerry.
I recommend anyone that is in need of a loan to contact Jerry, I've already recommended him to a co-worker
I recommend anyone that is in need of a loan to contact Jerry, I've already recommended him to a co-worker
Gaurav S.
Jun 25, 2019
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I ran into Marco on a chance visit to an open house and I am so glad I did because he and his company First American home loans have been an absolute blessing. As a first time home buyer and someone with only a small % available for down payment, I was apprehensive about the whole mortgage process but Marco not only educated me on the various steps but got me a better rate than some of my friends got with a 20% down. Marco and Bernie have great knowledge about the whole house buying process and kept guiding me at various steps. Marco has taken my calls on weekends and odd hours and has always been
Gabe C.
Nov 21, 2018
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Javier S.
Oct 17, 2018
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Kris C.
Sep 17, 2018
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Working Marco has been so easy. Buying a home, finding someone to give me a loan, as a first time home buyer, can be very overwhelming. Luckily I was recommended to work with Marco and he has made this experience as easy and smooth as possible. He is professional and very knowledgeable and has been very patient towards answering all of my questions. I would highly recommend working with Marco at American First Home.
Miguel S.
Sep 16, 2018
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Billy A.
Aug 09, 2018
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I stumbled upon American First Home Loans while searching for a broker on Yelp. Based on the positive reviews I contacted Jerry and made an appointment to discuss my options in purchasing an investment property.
Upon meeting Jerry, he was very professional, thorough, and informative. Jerry ensured my wife and I the process would be seamless, and indeed it was. Jerry made himself available whenever needed (even after business hours). Jerry kept my wife and I informed throughout the entire process from submitting our offer (on multiple properties) until after the close of escrow. Jerry and my Real
Upon meeting Jerry, he was very professional, thorough, and informative. Jerry ensured my wife and I the process would be seamless, and indeed it was. Jerry made himself available whenever needed (even after business hours). Jerry kept my wife and I informed throughout the entire process from submitting our offer (on multiple properties) until after the close of escrow. Jerry and my Real
Jesse T.
May 22, 2018
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J. P.
May 04, 2018
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I am first time home buyer, initially I had gone the traditional route, getting preapproved at a traditional bank. The traditional bank did not allow as many options for what I could purchase. I was referred to Jerry through a friend that had just purchased his first home with him.
After meeting with him, I decided to work with Jerry after he showed me that there were a lot more options the traditional bank did not provide. There are a lot more lending/financing options out there than I initially thought.
After working with Jerry I was able to close on an income property. The entire process
After meeting with him, I decided to work with Jerry after he showed me that there were a lot more options the traditional bank did not provide. There are a lot more lending/financing options out there than I initially thought.
After working with Jerry I was able to close on an income property. The entire process
Ruth T.
Mar 17, 2018
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After trying to refinace our home through another bank(Band of America) we were denied a few times and frustrated. We met with Jerry Lohman and gave us hope. The whole process took 30 days. If you are looking to refinace your home, please don't hesitate he will walk you through the process and make you feel at ease.
Bernardo L.
Jul 14, 2017
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Jerry Lohman went above and beyond! After interviewing with other banks and lenders American 1st Home Loans was able to help me with the financing I needed, get me the best deal & most importantly they delivered my keys on time! I had such a pleasant experience with Jerry. He's a Real Estate and Mortgage Broker so he was able to assist me no other bank/lender can do! From property searching down to my home loan program, he was able to orchestrate everything which made this home buying process very simple! The agent that accepted my offer loved the fact that Jerry was able to represent
Jackie C.
May 11, 2016
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I was referred to Jerry while I was shopping around to refinance my house. I ended up choosing Jerry because if his stellar customer service and professionalism. He made everything flawless!! I had absolutely NO headaches or problems during the process, in which he made so easy and convenient for me. I am extremely happy with how he took the time to patiently explain terminology if I didn't understand.
I highly recommend Jerry, as you will find that he is on top of things, thorough, and on point! Thanks Jerry for everything!
I highly recommend Jerry, as you will find that he is on top of things, thorough, and on point! Thanks Jerry for everything!
Gina S.
Sep 10, 2015
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For the second time around we had used Jerry to refinance our home, sell it and purchased another one. Jerry has made the process easy for us, and is very knowledgeable in walking my husband and I through the whole process. I highly recommend Jerry and will use him again when time comes. Thank you Jerry for your help.
George S.
Jul 17, 2014
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I just wanted to say thanks Jerry for all the help that was provided step by step in our search for our new beautiful home. I have heard horror stories about first time home buyers and the agents that make that experience miserable. That wasn't the case on our end, I really appreciate your help and knowledge you provided.
I will definitely be providing your information to anybody that I know that is looking for their new home.
I will definitely be providing your information to anybody that I know that is looking for their new home.
