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Get customized rate quotes and apply with our online application all from the convenience of your home. Your actual rate, payment, and costs could be higher. Get an offical Loan Estimate before choosing a loan.

Rate and Annual Percentage Rate (APR) calculations displayed are subject to change and assume that you are buying or refinancing an owner-occupied single family home, escrow account, 30-day lock, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 75% or less. The Annual Percentage Rate (APR) is based on a loan amount of $300,000 (for conforming loan programs) and $450,000 (for Jumbo/ non-conforming loan programs) and may include up to 2 points plus a lender fee of $999. (Points include any origination or discount points.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Calculations assume the above for a refinance in Irvine, CA.

Welcome to American Interbanc Mortgage Lenders

Mortgage Lenders American Interbanc

American Interbanc Mortgage LLC is an Irvine, CA based mortgage banker founded in 1998. We are focused on originating mortgages exclusively over the Internet by advertising on sites such as Bankrate and MSN Money. Our focus on clear communication, quick turn times and low rates all translate into thousands of satisfied customers over the past 15+ years. Whether you’re looking for a fixed rate mortgage, adjustable rate mortgage, purchase or refinance, American Interbanc Mortgage has the right mortgage product for you! We’ve built this site to be an educational resource to you about our products, services and policies. While browsing, be sure to check out tools like our mortgage calculator, amortization calculator and other tools used to help you simplify the decision of refinancing or buying a house.

Don’t Take Our Word For It

We have used americaninterbanc 3 times now for refinancing our home over a period just under 10 years. the application process was simple and we provided them with the required documentation. our loan closed on time and they honored the rates we locked into. the staff was very helpful, knowledgeable and professional, answering any questions we had immediately. i’ll be using them again for any further loans in the future.

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Expert Mortgage Services

Are you buying a house or are you refinancing your existing home? Are you confused about what a fixed rate mortgage is relative to an adjustable rate mortgage? Do you want to understand the size of your mortgage interest deduction? All of these questions can be answered by our expert Mortgage Loan Officers. Each of our Mortgage Loan Officers has years of experience in helping our clients structure the right mortgage product for their needs At American Interbanc Mortgage, we believe that all mortgage lenders should focus on providing honest and upfront feedback on the right product for the consumer and to avoid deceitful “bait and switch” tactics. As an Internet mortgage company, we also pay all of our Mortgage Loan Officers on a fixed commission structure to help keep costs low to our consumers. To learn more about submitting a mortgage application to one of our experienced Mortgage Loan Officers, click below.


Are you looking to reduce your monthly mortgage payment, lower your interest rate, finance major home improvements or pay off your loan sooner? Refinancing your mortgage is a way to potentially lower your interest rate and monthly mortgage payment, switch to a fixed-rate refinance loan or use a portion of the available equity in your home to finance major expenses.

The Refinance Process


Purchasing a home is a major life decision. To help you through this decision, we’re here to help you through the loan application process, but also help you understand what you can borrow based on your personal financial situation. The Purchase process doesn’t need to be a difficult one and we pride ourselves on offering a quick, easy and transparent process to our customers.

The Purchase Process

Talk to a Loan Specialist Today

We want you to feel confident about purchasing or refinancing your home. Our experienced loan specialists are here to answer any questions or to address any concerns you may have. Get in touch today to lock in your custom rate or to begin the application process.