Est. 1999 · NMLS #40561 · Equal Housing Lender
Great rates.
Straight answers.
Home.
We’re an independent mortgage company built on a simple idea: when you remove the layers between you and a decision-maker, everyone wins. Better pricing. Faster closings. No runaround.
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NMLS Consumer Access · Equal Housing Lender · Licensed in 13 states
Est. 1999
25+ years serving borrowers
17
Locations across the Southeast
13
States licensed and serving
[X,XXX+]
Loans closed · Top 5 lender, Charlotte
Mortgage calculator
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Payment estimator
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Your actual rate depends on credit profile, loan type, and current market conditions
Loan amount: $320,000
Estimates only. Tax and insurance are regional averages and vary by location. This calculator is for informational purposes only and does not constitute a commitment to lend. NMLS #40561.
Why American Security
We built this company to do it differently
In 1999, two mortgage executives quit their corporate jobs and started American Security in a garage. The idea was straightforward: remove the layers between borrowers and decision-makers, treat people like people — not ticket numbers — and build something worth working at for the long haul.
Better rates
No executive layers means no markup to cover them. Our lean structure allows us to offer consistently competitive pricing — every day, for every borrower.
Faster decisions
When your loan needs an answer, your loan officer walks into our office and talks it through with leadership — today. No queues. Decisions in hours, not days.
A real person, every time
In a world of chatbots and automated queues, your loan officer picks up the phone. A licensed professional who knows your name, your situation, and is with you from application to closing.
Loan programs
We’ll find the right loan for you
Conventional
Strong credit and stable income? Lock in competitive rates with a conventional loan tailored to your profile.
FHA
A low down payment option for first-time buyers or those building credit. We’ll walk you through exactly what you qualify for.
VA
Zero down payment and no PMI for qualifying veterans and service members. You’ve served — your loan should reflect it.
Jumbo
Financing a higher-value property? Competitive rates above conventional loan limits, with the same personal service.
USDA
No down payment required for eligible rural and suburban properties. If you qualify, it’s one of the best deals in mortgage financing.
Refinance
Lower your rate, reduce your payment, or access your equity. We’ll run the numbers honestly and help you decide.
Not sure where to start?
Talk to one of our loan officers. They know the market and will give you a straight answer.
How it works
Your mortgage journey, simplified
We’ve guided thousands of families through this process. Here’s what to expect when you work with us.
1
Connect
Meet your dedicated loan officer and share your goals, timeline, and budget.
2
Pre-approve
We issue a real pre-approval letter that sellers and Realtors respect and trust.
3
Find your home
Shop with confidence knowing exactly what you can borrow. We move fast when you find the one.
4
Close
We guide you through underwriting, appraisal, and closing to get your keys on time.
What people say
Trusted by borrowers, relied on by Realtors
“When assembling an A team for clients, Erin at American Security Mortgage is always first pick when it comes to partnering with an incredible lender. She is diligent, responsive, and never fails to get the job done. I always know that my clients will make it successfully across the finish line.”
Kristen Pegg, CRRA
Realtor/Broker · Cottingham Chalk · North Carolina
“When assembling an A team for clients, Erin at American Security Mortgage is always first pick when it comes to partnering with an incredible lender. She is diligent, responsive, and never fails to get the job done. I always know that my clients will make it successfully across the finish line.”
Kristen Pegg, CRRA
Realtor/Broker · Cottingham Chalk · North Carolina
We give back on every loan
When you close your mortgage with American Security, we make a meaningful donation in your name to the cause of your choice. Because great communities are built one home at a time.
Common questions
Answers to what borrowers ask most
No jargon. No runaround. Just straight answers to help you move forward with confidence.
How much do I need for a down payment?
It depends on your loan type. FHA loans start at 3.5% down, conventional loans can go as low as 3%, and VA and USDA loans offer zero down payment options for those who qualify. We’ll help you find the program that fits your situation.
What credit score do I need to get a mortgage?
It depends on your loan type. FHA loans start at 3.5% down, conventional loans can go as low as 3%, and VA and USDA loans offer zero down payment options for those who qualify. We’ll help you find the program that fits your situation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on information you provide. Pre-approval is a verified commitment — we’ve reviewed your income, assets, and credit. Sellers and Realtors take pre-approval seriously. We issue real pre-approvals, not just estimates.
How long does the mortgage process take?
Most purchases close in 30–45 days from contract. Because our loan officers have direct access to leadership, we can often move faster when a deal needs it. We’ll give you a realistic timeline from the first conversation.
Should I get a 15-year or 30-year mortgage?
A 15-year loan builds equity faster and saves significantly on interest, but comes with higher monthly payments. A 30-year spreads payments out and gives you more cash flow flexibility. The right answer depends on your income, goals, and how long you plan to stay in the home.
What are closing costs and how much should I expect?
Closing costs typically run 2–5% of the loan amount and cover things like appraisal, title insurance, lender fees, and prepaid items. We’ll walk you through a Loan Estimate so you know exactly what to expect before you ever sign anything.
For loan officers
Are you a loan officer ready for something different?
- Transparent pricing — you see exactly what the company makes on every loan you close
- Build your business your way — your brand, your team name, your workflow
- Direct line to leadership; the fastest decision chain in the mortgage industry
- Nearly 40% of our company is family members — that tells you everything about our culture
