Asking the Right Questions with American Funding


One of the first questions you might have in mind for a prospective mortgage broker is how long he or she has been in business.

The thought is the more seasoned the professional, the better they will be able to help you understand the nuances of residential and investment real estate, as well as the most beneficial financing options. Couple that with a desire to work with a local lender with the best products that are fitted perfectly to your unique situation and the Dana Point-based American Funding rises to the top of the list.

Owner Vance Luedtke has been in the industry for the last 24 years, and has built and grown five different mortgage companies during that time. American Funding entered the scene over 11 years ago, and works with over 35 different lenders to make each of its customers home owning dreams come true.

“We are able to say YES when others say NO and can approve loans with as low as a 500 credit score,” says Luedtke. As a former Marine, Luedtke also specializes in VA loans for veterans and carries the “Can Do” military attitude throughout his company. “We work tirelessly to provide the best alternatives for our clients.”

“We are able to say YES when others say NO and can approve loans with as low as a 500 credit score.”

American Funding offers everything from Jumbo (up to $10 million), conventional, FHA, VA and bank statement loans for the self-employed.

“Rates are historically low so if you’re thinking about refinancing or purchasing another property, don’t procrastinate as the Federal Reserve is predicting five to seven rate hikes this year alone,” he says. “There are so many ways we can help.”

Our Loan Products + Programs

  • Jumbo Loans (up to $10 million)
  • Conventional (Owner occupied or investment)
  • FHA Loans
  • VA Loans
  • Fixed & ARMs
  • Bank Statement Loans for the Self Employed

Whether it’s lowering your interest rates, paying off a loan faster, taking cash out for home improvements, or eliminating a monthly fee for mortgage insurance, the right question to ask is what’s the best number to call?

American Funding
34163 Pacific Coast Highway
Dana Point
(949) 280-0259

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