Carl Heimlich (NMLS: 314836)

Vice President of Lending, Virginia

Cell: 434.989.2274 | Office: 434.234.3985

With over 17 years of experience in the mortgage industry, over five of those with American Equity Mortgage, Carl Heimlich’s mission is to get you the right loan. To him it’s more than just completing the application and hoping it’s approved; he strategically thinks about how your loan process would work. “I basically underwrite the file in my head, check upfront with our underwriters on guidelines and investigate any potential roadblocks before sending in the paperwork.”

Extremely knowledgeable and proactive about every pre-qualification and loan he undertakes, Carl closes 98% of all the loans he submits. He believes that the most important decision you’ll make when buying property is choosing your mortgage planner. He holds the honor of being voted a #1 Lender in the Rural Virginian’s Readers Choice Poll for the past ten consecutive years and continues to be a top producer in the industry since 2002.

Spending much of his adult life in the Lake Monticello Community, Carl is an active member of CAAR and the Charlottesville Chamber of Commerce. He contributes to local charities like the American Heart Association, Arc of the Piedmont and also supports our company charities through AEM Cares. He gives thanks every morning for his wonderful family, including his wife of over 30 years, two adult children and two canine children: a cocker spaniel named Oliver and Astro, the chocolate lab. When Mr. Heimlich isn’t speeding up a home loan closing, you can find him cruising down the highway in his 2000 Corvette.

Real People. Real Stories. Get to a Better Place...

"American Equity Mortgage really lives up to their motto about getting you to a better place. They sure got me to a better place!"


"We were out of state and our Mortgage Planner did a wonderful job of updating us continually. She made the loan process a wonderful experience."


"My Mortgage Consultant at American Equity Mortgage was fantastic! He looked after my interest and went above and beyond my expectations. I highly recommend AEM!"


Our Three I's

Each staff member is committed to ensuring that each customer receives individual attention at every step of the loan process. At the heart of this commitment are our "Three I's":

Our dedication to the Three I's enables us to stay true to our goal: To give you the best chance to obtain a money-saving loan that's right for your individual needs and goals.

Products We Offer

With a variety of home loan purchase options, we can provide the right product to suit your individual needs: Adjustable Rate Mortgage, FHA Loan, Jumbo Loan, USDA Loan, VA Loan.

Your Home Loan Experts

American Equity Mortgage is one of the nation's leading mortgage lenders and your home loan expert. We are dedicated to understanding your needs in order to develop the best solution for you.

We have helped thousands of homeowners like you find the perfect loan. We understand the challenges home buyers face, and our expertise ensure that we will close your loan quickly and get you in your new home fast. And, we will keep you informed of your loan's progress every step of the way.