American Life Financial

American Life Financial Corporation (ALF) is the lending arm of American Savings Life Insurance Company, which has been providing non-conforming real estate loans for over 65 years. Our bridge loan offering for fixed-rate commercial real estate loans range from $500k - $15M.

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; and
3. The borrower doesn’t want to pay full hard money rates and fees and/or the borrower wants a longer term loan than typical hard money loans.