AHA-Plus members can enjoy the added convenience and savings of special no-application-fee and low-fee prequalification ("lock & shop") mortgage lending programs through AHA's special arrangements with several of the nation's leading mortgage companies, including Merrill Lynch and PHH U.S. Mortgage.

With a pre-approved mortgage, you can shop for your new home with the confidence that you'll receive favored attention from both Realtors and sellers alike. And that can help you make the best deal possible.

AHA also has mortgage programs for members with past credit problems, as well as low-down-payment programs for first-time buyers. One innovative program, Parent Powerä , available through Merrill Lynch, enables parents to assist their children with the down payment without having to sell off the parents' securities investments. And, through a special arrangement with Merrill Lynch, our members can apply for a home equity line of credit with no application fee and no closing costs - and you'll receive the same low interest rates enjoyed by Merrill Lynch's best customers.