We make Hard Money loans "Not So Hard Money"​ by bringing lower rates and fees to our niche in ways that other organizations can't do or won't do. We take your loan requests with earnest consideration, in an effort to provide the funding you need. Serving the Commercial Real Estate Equity loan marketplace, we provide both direct lending and wholesale lending for our broker relationships.

American Life Financial (AZ Mortgage Banker BK-0909357 / NMLS: 165950) is a wholly owned subsidiary, and the lending arm of American Savings Life Insurance Company. Founded in 1954, American Savings Life has been providing non-conforming real estate loans for over 59 years. Bring your funding needs to us and lets go to work.

Hard Money Loans don't have to be so hard!

We service the following areas: Arizona, Texas, New Mexico, Nevada, Utah, and Colorado.

American Life Financial Corporation (ALF) is the lending arm of American Savings Life Insurance Company, which has been making Not So Hard Money® loans in Arizona for over 60 years. Our Not So Hard Money® loans fill a niche for investors who meet three criteria:

1. The property owner or the property does not qualify for conforming bank financing
2. A loan for about 50%-65% of the property’s current market value (or recent purchase price) is sufficient
3. The borrower doesn’t want to pay full hard money rates and fees and/or the borrower wants a longer-term loan than is typically available with hard money loans

Our most popular loan program is our Classic program. Our programs offer Amortizing or Interest Only payments, 2, 5, 10, and even 15 year terms, and good flexibility of loan amounts based on Loan-To-Value or Loan-To-Cost. We lend on almost every type of Commercial, Industrial, and Investment Residential real estate type in our lending areas. We can even loan on land provided that the borrower has the ability to make the payments. We now fund loans in the 12 western states.