AmeriHome Mortgage review 2026

Core View - AmeriHome Mortgage provides a variety of mortgage loan options and borrower incentives, which can help reduce out-of-pocket costs for borrowers, but is not available in Hawaii, Massachusetts, or New York [1][2] Loan Offerings - AmeriHome Mortgage operates in 47 U.S. states and offers various mortgage types, including conventional, FHA, VA, non-qualified, and jumbo loans [2][6] - The lender allows alternative credit data for non-qualified mortgages and offers up to $750 in credits for repeat customers refinancing or purchasing a second home [6] - AmeriHome provides free "mortgage checkups" every six months to help borrowers assess their mortgage against personal finance goals [6] Interest Rates and Costs - AmeriHome's mortgage rates are not publicly advertised, but borrowers can obtain an instant rate quote by providing personal information [15] - According to 2024 Home Mortgage Disclosure Act data, AmeriHome scored 2 out of 5 stars for mortgage rates and total loan costs, indicating higher-than-median mortgage rates of 6.625% and total loan costs of $6,194.61 [18][29] Comparison with Other Lenders - Compared to Pennymac, AmeriHome offers non-qualified mortgages and a more substantial rate buydown option, while Pennymac provides USDA loans and clearer rate transparency [25] - Guild Mortgage offers a more comprehensive range of loan products than AmeriHome, including USDA and HELOCs, but both lenders provide similar buydown options [26] Customer Ratings and Features - AmeriHome has an A+ rating from the Better Business Bureau and scores above average in customer satisfaction according to J.D. Power [28] - The company offers robust online features, including calculators and educational resources, earning a 5-star rating in the Online Features category [29]