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Profile picture for American HFM

American HFM

Confirmed Lender
Specialties:
Purchase Loan,
Refinancing,
Home Equity,
FHA & VA Experts

Ratings & Reviews

Alan was wonderful and very helpful. Explaining in detail all my options - he was very informative. He gave me a lot of information about the FHA Back to work program. I would highly recommend Alan and American HFM. THANKS.

  

02/16/2015 - ridestrong
We connected, but it did not work out. Looking in Lolaville, Plano, TX 75024

Alan was wonderful and very helpful. Explaining in detail all my options - he was very informative. He gave me a lot of information about the FHA Back to work program. I would highly recommend Alan and American HFM. THANKS.

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Response from American HFM on 02/23/2015

Deb, We are a Bank not a LoanBroker and one of very few that do FHA w Credit Scores of 530-620. The FHA Back to Work Program allows you to get a loan only 12 months after a Foreclosure or Bankruptcy. Please request a copy of our guidelines. We look forward to working with you.

 

  

11/25/2014 - zuser20140820073101538
Was pre-approved. Kent, Alexandria, LA 71301

They really have the best rates. They work with all credit types. They are willing to work with your situation and will work hard to get you into your dream home.

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11/19/2014 - user881235
Closed purchase loan. Boulder Creek, CA

Melissa and Alan are Fantastic!!! We received the best, most personal, expert service from our brokers. They spent countless hours dealing with our longest short-sale ever (we were very difficult clients to say the least). We could not have acquired the home of our dreams without Melissa and Alan - Many thanks to all for the hard work and really going the extra mile for our family.

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05/02/2014 - DustinBrown92
Closed purchase loan. Kingsmill, Lefors, TX 79065

Under our what I say unique experience, American HFM has been the most knowledgeable and just down right human that we have worked with. The kind people at American HFM have helped us buy a house in the midst of everyone saying "that is just not possible at this time". If anyone were in the same position we were in, which is not perfect credit, I highly recommend American HFM as their next move to enquire about buying a home. Thank You so much in helping us through the maze and downright crazyness of buying a home.

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11/01/2013 - AmberNicoleSantellana
We connected, but it did not work out. Looking in Beeville, TX

The agent was very helpful in informing my spouse and I on what we need to do to acquire good credit. Our current credit is low and will not be enough for gaining a loan.

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Response from American HFM on 11/01/2013

Thank you Amber. We are one of very few Banks that offer FHA loans from 530 to 640 Credit Scores. We send our loan Guidelines to anyone who asks and this Guide is extremely helpful to low credit score borrowers. I look forward to working with you in a few months. Melissa

 

  

07/24/2013 - user2135320
Closed purchase loan. Harder-Tennyson, Hayward, CA 94544

These guys are the BEST. Alan, Melissa, Liz and Jason. Took care of business in a very professional way. Didn't have the best credit, but they were able to get the loan for me. They helped me clear out some bad entries on my credit report. HIGHLY RECOMMEND.

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06/07/2013 - user92702863
Closed purchase loan. Cedar Grove, Pineville, LA 71360

As of yesterday, we purchased the most beautiful home that we could ever imagine thanks to Alan Michlin, Liz Nance and Mike Kergison. We could never have dreamed that we would be living in our own home with very low credit scores and a past credit disaster. This team of professionals are exceptional! My initial contact was one of inquiry, because I did not believe this could happen for us. I was met with optimism and a plan that was realized into one of the most joyous events in our lives! Alan guided us through the whole process with patience, kindness and a true spirit of passion to achieve our dream. Liz Nance, Senior Loan Processor worked diligently to make sure that everything was complete and seamless. Mike Kergison made it happen! I WILL recommend American Home Free Mortgage to everyone I know. I cannot say enough good things about this awesome team!

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04/07/2013 - user0799256
Closed purchase loan. Lodi, CA

We came in contact with Alan and he was a wonderful person to work with from the start! His team consisting of Jason and Melissa was great. They are professional, friendly, prompt, and everything we can ask for during the mortgage process. We started with a pre-approval in December and was looking for a home right away. Alan answered all our questions, and was very patient every step of the way. He even picked up our calls when he was on vacation! We were first time home-buyers so we had tons of questions. We finally found our home midway through February and was able to close within 35 days! We can't say enough about how thankful we are with Alan and his crew! With their help, we are now homeowners. We would highly recommend his team anytime and we rave about them to all our friends we know.

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03/01/2013 - user731376
Applied for a loan, but it didn't work out. High Country, San Antonio, TX 78247

Wew started in the home purchase process in November of 2012. Me and my wife and had some credit challenges and Alan and Melissa were the only ones who would even talk to us. Me and my wife had worked on our credit for the last 6 months clearing things up and with their help I was able to go from a 601 to a 642 and my wife from a 568 to a 656. We would have loved to close the loan with Alan and Melissa but unfortunately my work experience was no quite where it need to be and my wife the same. We look forward to working with Alan again and referring people to Alan to everyone we know. It was not easy not being able to close on the home of our dreams but Alan and Melissa have gotten us so far we are truly greatful for all they have done.

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02/07/2013 - user51262934
Closed purchase loan. Trophy Club, TX

I submitted a contact form on Zillow and Alan contacted me the next morning. He provided invaluable advice throughout the process and provided me a comprehensive list of documentation to gather. He was also available when I had questions and responded to emails very quickly. Chase and BofA have higher rates and fees, take considerably longer to close, and trying to contact a loan officer there is VERY difficult. I will be recommending Alan and Melissa to all of my friends and colleagues with the confidence that they will provide the same excellent service that I enjoyed throughout my home buying experience!

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