A N S
L e n d i n g

You know the home you want. We make it happen for your need.

Home Refinance

The amount a lender is willing to lend to financing your purchase fact in your ratio of debt to income, among other things.

Mortgage Calculation

The amount a lender is willing to lend to financing your purchase fact in your ratio of debt to income, among other things.

Home Buyer’s Guide

The amount a lender is willing to lend to financing your purchase fact in your ratio of debt to income, among other things.

Today’s Mortgage Rates

The amount a lender is willing to lend to financing your purchase fact in your ratio of debt to income, among other things.

A team of industry pros to guide you each step of the way

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

shape

Buying a home can be overwhelming. There are so many financing options

banner

Permanent Rental 30 Program

Get 30-year fixed, 5/1, or 10/1 loan options with interest-only payments available. Finance up to 90% LTV, with no payments for the first year.
Loan amounts range from $35K to $2M, with rates as low as 5.55% and buy-downs available. Eligible for purchases, rate/term refinances, and cash-outs with no ownership seasoning.
Qualify using rental property income, with credit scores as low as 500. No prepayment penalties, and close in just 15 days. Full or current appraisals accepted.

banner

Premier Ground-Up Construction Loan

Financing for 1-4 unit residential investments with 80% LTV of the After-Constructed Value. Rates range from 7-12% (interest-only) with terms up to 24 months and no prepayment penalty.
Requires bank statements to show income cash flow and a minimum 550 credit score, but partners can be added to an LLC for credit or experience. No down payment required, but must own or purchase property with cash and lay a foundation slab or build up. Foundation and lot costs may be refunded.

banner

Bridge Loan

Short-term financing from $30K to $10M with up to 85% LTV for purchases, refinancing, cash-outs, renovations, construction, and land loans.
Rates start at 6.5% with interest-only payments. Available to foreign nationals, with no minimum credit score and support for distressed locations.
Backed by collateral-based underwriting, terms range from 1 to 3 years, with closings in as little as 1-3 weeks.

banner

Fix & Flip

Finance up to 100% of purchase and rehab costs with 85% ARV, and rates starting at 5.55%. Loan amounts range from $30K to $2M, with a minimum property value of $30K for 1-6 unit residential investments.
Enjoy interest-only payments, no fund sourcing requirements, and the ability to finance multiple properties. Get commitments in 2 days, streamlined closings, and no experience required. Exit options include selling or in-house refinancing.

banner

Refinancing

Get competitive rates starting at 5%, with terms from 6 months to 30 years and loan amounts from $20K to $5M. Available for investor and owner-occupied properties, with LTVs up to 90% and 100% rehab cost coverage.
We offer 100% financing up to 85% ARV for various property types, including multi-family (5+), mixed-use, retail, industrial, and more. Income verification is based on cash flow, with no seasoning options available.
Enjoy unlimited cash-out refinancing and funding in as little as 5 days for a fast, flexible lending solution.

banner

Private Money Loan

Flexible financing for commercial and residential investment properties with no minimum credit score required. Get up to 85% LTV, with terms from 1 to 25 years and rates starting at 5%.
Enjoy interest-only payments, no prepayment penalties, no seasoning requirements, and quick closings in 10 days or less. Listed properties qualify, and no appraisal options are available for a hassle-free process.

ANS Lending has a simple online process for loan applications

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home.

Apply Now
01
right-long-arrow

Calculate Your Payments

Use our Payment Calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.

02
right-long-arrow

See If You Pre-Qualify

Your pre-qualification request is just the first step in the home loan process, so you need to keep all of your other paperwork together and available for when you’re ready to buy.

03

Buy Your Dream Home

If you get pre-qualified, we will use your information to find the loan amount that works well for your situation. We work hard to make it easy on you for when you’re ready to buy.

678+

Volunteers Participated

2k+

Veteran Home Completed

8+

Years in Business

89k+

Customer Worldwide

video

Visit our professional team member for your any help from us

team
Office Manager

Paul Anderson

team
Business Manager

Jennifer Brown

team
Loan Officer

Richard G Decker

team
CEO of ANS Lending

Paul D Nicholas

We help people to find their best and dream house

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage.

Review On stars-4.5
trast 544+ Reviews
google
Review 4.9/5.0

ANS Lending helped my wife and I refinance our house and purchase an investment property. Anyone could have done that but what I really liked about her is that she was extremely ethical. She carefully listened to our concerns and gave us excellent advice. She was also very patient. I would absolutely recommend her and do business with her again especially if you are a first-time investor.

testimonial

William John

05 days ago
shape

ANS Lending helped my wife and I refinance our house and purchase an investment property. Anyone could have done that but what I really liked about her is that she was extremely ethical. She carefully listened to our concerns and gave us excellent advice. She was also very patient. I would absolutely recommend her and do business with her again especially if you are a first-time investor.

testimonial

John Dew

03 days ago
shape

ANS Lending helped my wife and I refinance our house and purchase an investment property. Anyone could have done that but what I really liked about her is that she was extremely ethical. She carefully listened to our concerns and gave us excellent advice. She was also very patient. I would absolutely recommend her and do business with her again especially if you are a first-time investor.

testimonial

Alex Smith

01 days ago
shape

Competitive Rates

No Prepayment Fees

Simple Qualification

Quick Close Times

Loan Application Form

We help All people to find their best and dream house from ANS Lending

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

calculate-img

78%

Business from Referrals

45+

Minute Verbal Commitment

© 2025 ANS Lending All Rights Reserved