Business Details
Your Trusted Mortgage Partner in Santa Ana, CA
American Quest Home Loans is a full-service mortgage company dedicated to empowering clients through knowledge and choice. With over 25 years of combined experience in the real estate industry, our team provides access to an unparalleled array of mortgage programs, ensuring tailored solutions for diverse financial needs. We prioritize transparency and customer-centric service, offering fixed and adjustable-rate loans, FHA, VA, jumbo, and portfolio loans to first-time buyers and seasoned investors. Our commitment to innovation and responsible lending has established us as a trusted leader in the mortgage industry. We deliver competitive rates, fast closings within 30 days, and personalized guidance from licensed loan consultants.Our 'No Steering Policy' guarantees unbiased recommendations, while our state-of-the-art tools simplify the loan process. Recognized for exceptional service, we specialize in handling unique properties and complex scenarios that other lenders cannot accommodate. Our executive team's deep industry expertise and adherence to ethical principles ensure clients receive the best possible financing solutions. We provide 24/7 support through dedicated mortgage advisors and maintain strict compliance with regulatory standards. Our track record of satisfied clients and industry recognition underscores our position as a premier mortgage provider.
Services
Fixed-Rate Loans
Adjustable-Rate Loans
Jumbo Loans
FHA Loans
Portfolio Loans
VA Loans
5 Year Rate Guarantee
Highlights and features
- We offer 25+ years of combined industry experience and a proven track record of responsible lending.
- Our 'No Steering Policy' ensures unbiased loan recommendations tailored to your unique needs.
- We provide access to more mortgage programs than traditional banks, including specialized options for unique properties.
- Our licensed loan consultants deliver personalized guidance and fast closings within 30 days.
- We maintain strict compliance with regulatory standards and prioritize transparent communication.
Associations and certifications
- NMLS# 356777
What people say
Customer service company
Refreshing experience
Professional
Honest answers
Fast process
Services
Fixed-Rate Loans
Fixed-Rate Loans provide consistent monthly payments with interest rates that remain unchanged for the entire loan term. These loans are ideal for homeowners seeking long-term stability and protection against market fluctuations. Our offerings include 10-, 15-, 20-, 25-, and 30-year terms with down payments as low as 5% for primary residences.
Adjustable-Rate Loans
Adjustable-Rate Mortgages (ARMs) feature initial fixed-rate periods followed by annual adjustments. We offer 3/1, 5/1, and 7/1 ARM options with competitive starting rates and predictable payment schedules. These loans suit borrowers planning to sell or refinance before rate adjustments or those expecting future income increases.
FHA Loans
FHA Loans require 3.5% minimum down payments and accommodate lower credit scores. These government-insured mortgages help first-time buyers and those with financial challenges achieve homeownership. We guide clients through FHA loan requirements, including mortgage insurance premiums and post-bankruptcy eligibility timelines.
VA Loans
VA Loans offer zero-down payment options and competitive rates for eligible veterans and service members. Our specialists handle VA loan applications with expertise in military-specific documentation and benefits. We maximize allowable debt-to-income ratios and coordinate seller concessions up to 6% of closing costs.
Jumbo Loans
Jumbo Loans provide financing up to $5 million for high-value properties. We combine fixed and adjustable-rate options with streamlined underwriting to close 50% faster than industry averages. These loans cater to borrowers with strong financial profiles seeking premium real estate investments.
Questions
What mortgage programs are available for low down payments?
We offer FHA loans with 3.5% down, conventional loans with 3.5% down, and VA loans with zero down payment options for eligible borrowers.
Can I refinance to remove private mortgage insurance?
Yes, we help clients eliminate PMI when equity reaches 22% through home value appreciation or loan balance reduction.
How quickly can you close a mortgage?
Our average closing time is 30 days, 50% faster than the industry standard, with expedited processing for urgent transactions.
Do you offer loans for unique or mixed-use properties?
Yes, our portfolio loans accommodate commercial-residential hybrids and other non-standard properties that conventional lenders typically decline.
What happens if interest rates drop after I lock in my rate?
Our 5-Year Rate Guarantee allows free refinancing with waived origination fees and complimentary appraisals if rates decrease within five years of closing.
How do adjustable-rate mortgages protect against rate increases?
ARMs include lifetime and annual interest rate caps that limit payment increases, providing predictable adjustments while maintaining initial rate discounts.
