Mortgage brokers play an important role in Non-QM and investor lending. They help borrowers compare options, structure deals, and access programs that fit specific situations. American Heritage Lending operates a dedicated wholesale platform for brokers and correspondent lenders at ahlendtpo.com, and the AHL mortgage broker process is built to make complex scenarios easier to place. This entry covers how the relationship works, what products are available, and how to become a partner.
How the AHL Mortgage Broker Platform Works #
AHL serves brokers and correspondent lenders through a dedicated wholesale platform at ahlendtpo.com, separate from the company’s direct-to-investor channel. The platform is built for business-to-business communication and is not intended for the general consumer.
Through the platform, brokers submit Non-QM and investor scenarios to AHL, get pricing through a self-serve loan pricer, and manage files through the Galaxy Portal. Each partner works with a dedicated Account Executive for scenario support and a consistent Account Manager who handles the file.
Under AHL’s wholesale model, the broker’s clients stay with the broker. Loan processing, underwriting, and funding happen in-house from submission through close.
What Brokers Can Submit Through AHL TPO #
The AHL TPO product suite focuses on Non-QM lending and includes:
- DSCR Loans for experienced real estate investors qualifying on rental income
- DSCR 5 to 10 Unit Loans for small multifamily investors
- Bank Statement Loans for self-employed borrowers using alternate income verification
- 1099 Loans for self-employed wage earners
- Foreign National Loans for non-permanent residents purchasing or refinancing
- Asset Qualifier Loans for borrowers with substantial assets
- Full Doc Loans for borrowers with traditional income documentation
- Bridge Star Loans for borrowers transitioning between primary residences
- Prime Star Loans, jumbo financing up to $4M for owner-occupied or second homes
Each program has its own credit matrix and product guide available through the broker portal.
What Correspondent Lenders Get Access To #
AHL also operates a correspondent channel for lenders who want to fund loans in their own name and deliver them to AHL. Correspondent partners get access to:
- The Non-QM product suite available across the TPO platform
- Wholesale, table-funding, and traditional correspondent execution options
- 45-day rate locks at loan submission
- Dedicated Account Executive and Account Manager support
- Self-serve pricing and loan management through the Galaxy Portal
The correspondent channel works well for established lenders who want flexible execution and consistent communication.
Tools and Resources for Broker Partners #
Brokers working with AHL get access to several practical tools through the TPO platform:
- The Galaxy Portal for end-to-end loan management
- A self-serve loan pricer for quick quotes
- DSCR, Bridge Loan, and Asset Qualifier calculators
- White-label marketing materials through Brand Builder
- LTV stacking tools that allow financing of broker fees or discount points
- Integrated Reggora appraisal ordering
- Loan exception request forms for scenarios outside standard guidelines
These tools help brokers operate efficiently and serve their borrowers without unnecessary delays.
How to Become an AHL Partner #
Brokers and correspondent lenders interested in working with AHL can apply through the partner form at ahlendtpo.com. The process involves submitting basic company information, indicating whether the partnership is broker or correspondent, and noting any active loan scenarios. An Account Executive follows up to walk through the programs, pricing, and platform onboarding.
Summary #
AHL serves brokers and correspondent lenders through a dedicated wholesale platform at ahlendtpo.com, separate from the direct-to-investor channel. The product suite is focused on Non-QM lending and includes DSCR (including 5 to 10 unit multifamily), Bank Statement, 1099, Foreign National, Asset Qualifier, Full Doc, Bridge Star, and Prime Star programs. Partners get protected client relationships, in-house operations, dedicated AE support, and a self-serve platform for pricing and file management. New partners can start the process at ahlendtpo.com.