Check out this 30-year mortgage for just 3.125%

Keychain shaped like a house with 2 keys

AHC Lending is offering 30-year, fixed-rate mortgages to residents of five big states for about half a percentage point cheaper than the average home loan.

That's one of the best deals we've seen this fall.

For borrowers purchasing homes in California, Illinois, Florida, Texas and Virginia, it has a fixed-rate loan for 3.125% with no points and lender fees as low as $273. Lender fees vary, depending on the size of your loan and other factors.

This offer easily eclipses the average 3.61% rate our national survey of lenders showed for 30-year loans this week. It's even lower than the 3.25% rate AHC charged just last week.

The principal and interest payment would be $428 a month for every $100,000 borrowed.

You can use our mortgage calculator to determine the monthly payments for the amount you want to borrow with this or any home loan.

It will also provide a month-by-month amortization schedule that shows how much you've reduced your debt and how much you still owe if you want to pay off the loan.

American Heritage Capital LP is a limited partnership based in Irving, Texas, and doing business as AHC Lending.

It enjoys an A+ rating with the Better Business Bureau. A typical loan closes in 15 business days.

To qualify for this loan from AHC Lending (, you'll need a credit score of 740 or higher, and you must be applying for a loan of less than $417,000. If you choose not to pay taxes and insurance into an escrow account, your lender fees will be slightly higher.

Click here to compare this deal with the best mortgage rates from scores of other lenders in your area.

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