At America’s Choice Lending Group, we make it easy to buy, refinance, or invest with confidence. From your first home to your forever home, we offer competitive rates, personalized guidance, and mortgage solutions designed to fit your life. Let’s take the stress out of home financing—together.
At America’s Choice Lending Group, we offer a full range of home loan solutions to match your needs—whether you’re buying, refinancing, or investing. From flexible first-time buyer programs to jumbo loans and everything in between, we’re here to help you choose the right mortgage with clarity and confidence.
Our Conventional Home Loans combine competitive rates with flexible terms, making them a great fit for borrowers with strong credit. Designed to simplify the path to homeownership, these loans offer a wide range of options and a clear, straightforward process. With customizable financing and long-term stability, conventional loans make owning your dream home both achievable and rewarding.
FHA Home Loans are designed for homebuyers with lower down payments or less-than-perfect credit. Backed by the government and offering flexible qualification criteria, these loans make the path to homeownership more accessible. Enjoy competitive rates, manageable credit requirements, and a streamlined process—making it easier to purchase your new home, build equity, and achieve long-term financial success.
Our VA Home Loans honor your military service with favorable terms, zero down payment options, and competitive interest rates. Exclusively for eligible veterans, active-duty service members, and their families, these loans feature reduced closing costs and no private mortgage insurance (PMI) requirements. Secure your home with confidence and enjoy benefits designed to support your service and long-term financial well-being.
Jumbo Loan Programs are designed for homebuyers and investors needing financing above conventional conforming limits. Ideal for high-value and luxury properties, these loans offer competitive rates and flexible structures to meet your unique financial needs. With tailored underwriting and personalized guidance, our jumbo loans make it easy to secure premium real estate—without compromising on service or quality.
Our Personalized Mortgage Solutions for self-employed individuals are built to address unique income documentation challenges with customized financing options. These loans recognize alternative income streams and offer flexible terms with competitive rates. By focusing on business stability and cash flow, we simplify the process—helping you secure a mortgage that supports your entrepreneurial lifestyle and makes homeownership an achievable goal.
Non-Qualified Mortgage (NQM) Loans provide a flexible financing alternative for borrowers who don’t meet traditional underwriting standards. These loans are ideal for those with non-traditional income or unique credit profiles, offering customized solutions without the usual documentation constraints. Enjoy competitive rates, tailored terms, and a smoother application process—making your path to homeownership both accessible and personalized.
Bank Statement Loans are ideal for self-employed and non-traditional borrowers, using bank statements to verify income instead of pay stubs or W-2s. This flexible approach reflects your actual cash flow, not just your paperwork. With competitive rates and a streamlined application process, these loans make it easier for entrepreneurs and freelancers to secure financing and invest confidently in homeownership.
Investment Property Financing offers tailored solutions for buyers looking to grow their real estate portfolio. With competitive rates and flexible terms, these loans support the purchase of rental properties, vacation homes, or commercial investments. Benefit from specialized underwriting that considers rental income potential and property performance, empowering you to build wealth through strategic real estate investments—with confidence and expert guidance.
ITIN Loans empower individuals without a Social Security number to access home financing. Designed for eligible borrowers using an Individual Taxpayer Identification Number, these loans offer competitive rates and flexible terms. By accepting alternative documentation, we simplify the process—helping diverse communities secure a home loan, build credit, and achieve the dream of homeownership in a supportive financial environment.
Our Refinance Options create opportunities to lower your interest rate, reduce monthly payments, or access home equity. Tailored to fit your financial goals, these solutions offer competitive terms and a streamlined refinancing process. Whether you’re consolidating debt or funding home improvements, refinancing can improve cash flow, strengthen your financial strategy, and provide long-term stability—with personalized service every step of the way.
Cash-Out Refinance lets you access your home’s equity by replacing your current mortgage with a larger loan—and receiving the difference in cash. Use the funds for home improvements, debt consolidation, or other financial goals. With competitive rates and flexible terms, this option helps you maximize your home’s value while supporting long-term financial stability.
Renovation and Construction Loans are designed to fund new home builds or major home improvement projects from the ground up. These loans offer tailored financing that covers both construction costs and post-construction mortgage options. With competitive rates and a streamlined approval process, you can confidently enhance property value, create custom living spaces, and manage your project with clear, flexible repayment terms.
USDA Loans help rural and suburban homebuyers with low to moderate incomes access affordable home financing. Backed by the government, these loans offer zero down payment, competitive interest rates, and flexible credit guidelines. With reduced closing costs and a streamlined approval process, USDA loans make homeownership more accessible in eligible rural areas, supporting long-term financial stability and community growth.
First-Time Homebuyer and Down Payment Assistance (DPA) Loans make homeownership more accessible with low down payment options, flexible credit requirements, and access to grants or assistance programs. These loans are designed to help you purchase a home with less upfront cost, turning your dream of homeownership into a reality—sooner than you think.
Reverse Mortgages help homeowners aged 62 and older turn home equity into cash—without monthly mortgage payments. Use funds for living expenses, healthcare, or even to purchase a new home, all while staying in the property you love. With non-recourse protection and repayment tied to the home’s sale, reverse mortgages offer lasting financial security in retirement. You can also refinance an existing reverse mortgage to improve terms or access more equity.
Welcome to America’s Choice Lending Group, LLC, where we redefine the mortgage experience under the leadership of our founder, Thomas Lieb III. With over 22 years in mortgage lending, 7 years as a Certified Public Accountant, and extensive experience owning residential and commercial properties, Tom offers unparalleled expertise and financial insight.
Tom is not just a mortgage originator; he’s a visionary in the real estate industry. His innovative approach extends beyond traditional lending, as he creates and shares valuable content on real estate trends, mortgage solutions, and economic insights. Renowned for his ability to craft creative loan solutions and his dedication to client success, Tom has earned numerous top lender distinctions throughout his career.
At America’s Choice Lending Group, we are committed to guiding you on your journey to financial security and wealth building through real estate. Let Tom’s extensive experience and forward-thinking approach lead you to success. Licensed in CA.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
At America’s Choice Lending Group, we know that choosing the right lender matters. That’s why we focus on more than just rates—we focus on you. Whether you’re buying your first home, refinancing, or investing in property, we deliver personalized mortgage solutions, competitive home loan options, and expert guidance every step of the way. With a team you can trust and support you can count on, we make the path to homeownership clear, simple, and stress-free.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
Welcome to America’s Choice Lending Group, LLC—where we’re redefining the mortgage experience with deep expertise, personalized service, and a commitment to your financial future. Led by our founder, Thomas Lieb III, we bring more than 22 years of experience in mortgage lending, backed by 7 years as a Certified Public Accountant (CPA) and a successful track record in residential and commercial real estate ownership.
Tom’s rare combination of lending knowledge, financial strategy, and real-world property experience gives our clients a distinct advantage—whether you’re buying your first home, building your investment portfolio, or exploring refinance opportunities. At America’s Choice, we take the time to understand your goals and deliver home loan solutions that truly fit. Licensed in CA.
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