Loan Products

Everyone has a unique situation, never identical to another.  Because AHL recognizes this, we offer as many mortgage products as possible to provide a completely customizable and personal mortgage experience for you.

Below is a list of the more common mortgage programs, but please contact us to develop and refine a custom mortgage solution for you.


Renovation Mortgage

A Renovation mortgage gives you the ability to obtain just one mortgage loan to finance both the purchase of your new home and the cost to fix it up or personalize to your liking. Even more appealing is these loans do not require a large down payment, making it a very affordable option. Click here to learn more.

Reverse Mortgage

If you are 62 or older, and looking for a way to supplement your income, an FHA insured Reverse Mortgage may be your answer. A Reverse Mortgage, otherwise known as the Home Equity Conversion Mortgage (HECM) loan, allows you, the borrower, to access a portion of your home’s equity to obtain tax free funds without having to make monthly payments. Click here to learn more.

VA Loan

Mortgage loans available to eligible US veterans. VA guaranteed loans are made by private lenders, such as banks or mortgage companies, for the purchase of a home for a buyer’s own personal occupancy. These loans offer competitive rates and require little or no down payment.

USDA Rural Home Loan

Loans guaranteed by the USDA remain one of the few nationally offered loan programs available with no down payment. The program’s requirements mandate that both the property and borrower must qualify. These requirements are dependent on the physical location of the property and the maximum household income.

FHA Loan

A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately-priced homes almost anywhere in the country. FHA loans offer a low down payment and more flexibility than many other types of financing.

Conventional Loan

Conventional loans are not insured by any government program, and they are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac. Nonconforming loans don’t meet those guidelines, but are still considered conventional. Conventional loans often have higher down payment requirements than government-sponsored loans like FHA and USDA.

Hybrid Adjustable Rate Mortgage

A mortgage in which the interest rate is fixed for a predetermined period of time, like three, five, seven or 10 years. After the predetermined period of time, the loan converts to an adjustable rate mortgage (ARM) for the remaining term of the loan.

Adjustable Rate Mortgage (ARM)

A mortgage in which the interest rate is adjusted periodically based on a preselected index and margin.

Fixed Rate Mortgage

A mortgage in which the interest rate is fixed for the term of the loan. Terms include 30, 20, 15 or 10 years.