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Two things make American Federal Mortgage different from every other mortgage lender:

We offer you the lowest interest rate in the nation.
We guarantee our offer to you in writing.

How do we do it?

American Federal Mortgage operates on a high volume low margin principle. We closed over 1 billion in loans last year. Like WalMart(r)'s central distribution system, we operate from a single, central location. Our streamlined efficiency combined with our high loan volume enables us to offer the lowest rate available in the nation today. It's the American way. It's the American Federal Mortgage way. Take our rate challenge.

Need more proof?

Fannie Mae is the largest purchaser of mortgage loans in the world. Fannie Mae publishes the average national rate for mortgage lenders. Click here and compare the national average rate to American Federals low rate.

Why are other lenders mortgage rates higher? Why can't the competition compete?

Our competition's sales people are paid a higher commission if they sell you a higher rate. Our lending professionals are not paid a commission. Their only goal is to give you the lowest rate available in the nation.

When you deal with American Federal you deal direct. No middlemen such as lead generation services, brokers or realtors who add additional costs that drive your rate and fees higher.

How can brokers offer a lower rate than a lender? How can a lead generation service offer you a lower rate than dealing directly with the lender? They can't. It's that simple. Because lenders have to pay the lead generator for generating the lead. And brokers charge for their services.

If you want the lowest mortgage rates, you have to go directly to a lender. And if you want to be guaranteed that you're getting the lowest rate anywhere-you have to come to one lender-American Federal Mortgage.

Watch for bait and switch.

Some lenders will put a low interest rate out to attract you. But when you ask for it in writing you only get verbal promises, good faith estimates or excuses. You would not purchase a car or home without getting the costs upfront. Your home mortgage is no different. Insist on all rates and fees guaranteed in writing before you apply to or pay any fees to a lender. It's the only way American Federal does business.

Put our feet to the fire.

Bring us the best quote you can find from any competitor, broker or lead generation service. We'll beat it. When you're ready to lock in your rate we'll send you our written guarantee. You just won't find a lower rate-anywhere.

American Federal Mortgage has been approved by Fannie Mae, Freddie Mac, HUD (Housing & Urban Development) and the Veterans Administration. In addition, our approval allows us to write FHA (Federal Housing Authority) and VA (Veterans Administration) loans.

We invite you to compare our rates-apples to apples-with anyone's.
We'll beat theirs, guaranteed. And we'll put that in writing.

No tricks, catches or gimmicks.
Just the lowest rates available in the nation today.

Fill in the Bill of Rights Rate Challenge form
or call us at 888-321-HOUSE