For low-credit home loans in Salt Lake City, there’s no better team to help you than American Loans.

Here are some of the benefits we offer:

  • Conventional Loans at lowest rates available
  • Zero Closing Costs loan programs
  • 100% Zero Down Payment
  • Only 3% Down with NO Mortgage Insurance (Dream Purchase Program)
  • Up to 95% with NO Mortgage Insurance or PMI (Refinance or Purchase)
  • Buying a home that needs repairs? We’ll lend you up to 95% of future value
  • Credit Problems? We go to scores as low as 560
  • Programs available even if Bankruptcy, Short Sale and Foreclosure
  • Single Family Residences, Manufactured Homes, Condos and Town Homes
  • Up to 85% Loan to Value on Investment Homes and Rentals

You won’t find low-credit home loan programs in Utah similar to ours. We want you to compare our rates to others. You’ll discover how we can save you thousands through no closing cost loans. Many of our clients are employees of local banks and credit unions. Why does this matter? Because they know our rates and costs are lower that what they can receive from their employers.

We work with some of the largest lenders in the nation. We do the shopping for you and we compare who will give you the best rate for your circumstances. In most cases, we don’t charge origination fees or points. We get paid by the lenders we work with, not by you. We get paid a set amount regardless of what interest rate you pay. If you choose a higher rate, YOU, not us, will receive the difference in the form of a rebate in costs. While other lenders try to give you higher rates so they can keep those rebates for themselves, we don’t. That is our written guarantee to you.

We have programs that others don’t. Check out all of the programs that we offer.

We are in the business of service. Over the last 20 years in business, our track record shows the commitment we give to every client. We make the home investment process easy and stress free.

Contact American Loans or apply online for a Utah home loan today.