About American Direct Lender

When other banks say no, we say yes

We specializes in a wide variety of loans from conventional to non-conventional loans, for owner-occupants and investors alike. We are a dedicated close-knit team of loan professionals who are also investors and have our own strategic network of private lending sources. That enables us to say yes to no loans when other banks say no. Features of our loan programs include:

  • Bankruptcies and foreclosures ok!
  • Aggressively low-interest rates.
  • We don’t spend additional money on advertising only to pass the costs on to our borrowers. That’s why we don’t charge a servicing fee or hidden costs for consultation and no pre-payment penalties.
What We Do

Our Services

We have a wide range of mortgage options to suit every housing type, budget, and buyer. We offer Full Doc, Non-Conventional, and No Tax return loans.

Conventional Loans

These are standard full-doc loans that are easy to understand. They include the following types...

FHA Loans

These are standard full-doc loans that are easy to understand. They include the following types...

VA Loans

These are standard full-doc loans that are easy to understand. They include the following types...

Non-QM Loans

These are similar to Non-QM Loans. No Doc Loans are a type of private money loan that does not require standard income verification from the borrower.

No Doc Loans

Non-qualified mortgage loans avoid standard agency documentation to qualify such as W2 forms, pay stubs and bank statements.

FHA One-Time Close Construction Loan

These are similar to Non-QM Loans. No Doc Loans are a type of private money loan that does not require standard income verification from the borrower.

Recent Posts

Our Blogs

How No Doc Loans Work

After the financial crash of 2008 most lenders thought they had seen the end of no-doc loans. Often called ‘stated’ loans, because a borrower simply states.

How to refinance your house with no out of pocket costs

After the financial crash of 2008 most lenders thought they had seen the end of no-doc loans. Often called ‘stated’ loans, because a borrower simply states.

Why We Are Better

Borrowers are spoiled for choice by lenders willing to offer them cheap loans. It can be confusing knowing where to go. However, we believe certain criteria set us apart from many of our competitors.

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