<?xml version="1.0" encoding="US-ASCII"?>  
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Tue Oct 17 12:45:34 UTC 2023 -->  
<xs:schema elementFormDefault="qualified" xmlns:ck0001496998="http://www.americanfunds.com/20231101" targetNamespace="http://www.americanfunds.com/20231101" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-types="http://xbrl.us/us-types/2009-01-31" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:rr="http://xbrl.sec.gov/rr/2023" xmlns:dtr="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrli="http://www.xbrl.org/2003/instance"> 
  <xs:annotation>   
    <xs:appinfo>  
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001496998-20231101_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"/>    
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001496998-20231101_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/> 
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001496998-20231101_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>    
      <link:linkbaseRef xlink:type="simple" xlink:href="ck0001496998-20231101_cal.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef"/>     
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">   
        <link:definition>000001 - Document - Document and Entity Information</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/DocumentRiskReturnSummaryUnlabeledAMERICANFUNDSMORTGAGEFUND" id="DocumentRiskReturnSummaryUnlabeledAMERICANFUNDSMORTGAGEFUND">     
        <link:definition>020000 - Document - Risk/Return Summary {Unlabeled} - AMERICAN FUNDS MORTGAGE FUND</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleShareholderFees20001" id="ScheduleShareholderFees20001">   
        <link:definition>020001 - Schedule - Shareholder Fees</link:definition>     
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleAnnualFundOperatingExpenses20002" id="ScheduleAnnualFundOperatingExpenses20002">  
        <link:definition>020002 - Schedule - Annual Fund Operating Expenses</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleExpenseExample20003" id="ScheduleExpenseExample20003"> 
        <link:definition>020003 - Schedule - Expense Example</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleExpenseExampleNoRedemption20004" id="ScheduleExpenseExampleNoRedemption20004">     
        <link:definition>020004 - Schedule - Expense Example No Redemption</link:definition>   
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleAnnualTotalReturnsBarChart20005" id="ScheduleAnnualTotalReturnsBarChart20005">     
        <link:definition>020005 - Schedule - Annual Total Returns [Bar Chart]</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
<!-- [WMV5][XcpuxYn59dz7vgYynUDuwG7r97K2jUTysl7vcz0lJt+RMWF/8mwKgXndJJ1SJyvmgKvxuLfGxyZBgkG6y4H6TJsFl5ptOU8qLPNYWIoj2bUBBDRwNCI/gIwe/4RYmuRB97vR/RspMdZFcdtyMUgCGBp5tqVQxTuqrDHlwl+yKhCzyhq6EmW5c1DK4Q6QAs6KWQZacMZZJf473lK5Qepy5tOb8SQD+G4Q4jfa8A6uhNb1KzhuO4Wx5EcNOhgv308VHldy45zjlO+BabkhKGLinlDJM0tW5QJlzSfRoXsByY0=] CSR--> 
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/ScheduleAverageAnnualReturnsTransposed20006" id="ScheduleAverageAnnualReturnsTransposed20006">   
        <link:definition>020006 - Schedule - Average Annual Returns {Transposed}</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
      <link:roleType roleURI="http://www.americanfunds.com/20231101/role/DisclosureRiskReturnDetailDataElementsAMERICANFUNDSMORTGAGEFUND" id="DisclosureRiskReturnDetailDataElementsAMERICANFUNDSMORTGAGEFUND">   
        <link:definition>020007 - Disclosure - Risk/Return Detail Data {Elements} - AMERICAN FUNDS MORTGAGE FUND</link:definition> 
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
      </link:roleType>   
    </xs:appinfo>   
  </xs:annotation>    
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>  
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>    
  <xs:import namespace="http://xbrl.sec.gov/rr/2023" schemaLocation="https://xbrl.sec.gov/rr/2023/rr-2023.xsd"/>   
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>     
  <xs:element name="RiskReturnSummaryAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_RiskReturnSummaryAbstract"/>  
  <xs:element name="index_Bloomberg_US_Mortgage_Backed_Securities_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_index_Bloomberg_US_Mortgage_Backed_Securities_Index_reflects_no_deductions_for_sales_charges_account_fees_expenses_or_US_federal_income_taxesMember"/>    
  <xs:element name="index_Lipper_GNMA_Funds_Average_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_index_Lipper_GNMA_Funds_Average_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember"/> 
  <xs:element name="index_Lipper_Intermediate_US_Government_Funds_Average_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_index_Lipper_Intermediate_US_Government_Funds_Average_reflects_no_deductions_for_sales_charges_account_fees_or_US_federal_income_taxesMember"/>     
  <xs:element name="S000030190Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_S000030190Member"/>  
  <xs:element name="C000092896Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092896Member"/>  
  <xs:element name="C000092897Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092897Member"/>  
  <xs:element name="C000092898Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092898Member"/>  
  <xs:element name="C000092899Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092899Member"/>  
  <xs:element name="C000092900Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092900Member"/>  
  <xs:element name="C000092901Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092901Member"/>  
  <xs:element name="C000092902Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092902Member"/>  
  <xs:element name="C000092903Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092903Member"/>  
  <xs:element name="C000092905Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092905Member"/>  
  <xs:element name="C000092906Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092906Member"/>  
  <xs:element name="C000092907Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092907Member"/>  
  <xs:element name="C000092908Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092908Member"/>  
  <xs:element name="C000092910Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092910Member"/>  
  <xs:element name="C000092911Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000092911Member"/>  
  <xs:element name="C000148445Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000148445Member"/>  
  <xs:element name="C000164806Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000164806Member"/>  
  <xs:element name="C000180009Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000180009Member"/>  
  <xs:element name="C000189492Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000189492Member"/>  
  <xs:element name="C000189493Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000189493Member"/>  
  <xs:element name="C000224553Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000224553Member"/>  
  <xs:element name="C000224554Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_C000224554Member"/>  
  <xs:element name="InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInMortgagerelatedAndOtherAssetbackedSecuritiesMember"/>  
  <xs:element name="MarketConditionsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_MarketConditionsMember"/>    
  <xs:element name="IssuerRisksMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_IssuerRisksMember"/>    
  <xs:element name="InvestingInDebtInstrumentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInDebtInstrumentsMember"/>    
  <xs:element name="LiquidityRiskMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_LiquidityRiskMember"/>   
  <xs:element name="InvestingInSecuritiesBackedByTheUSGovernmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInSecuritiesBackedByTheUSGovernmentMember"/>     
  <xs:element name="InvestingInFutureDeliveryContractsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInFutureDeliveryContractsMember"/>     
  <xs:element name="InvestingInInflationlinkedBondsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInInflationlinkedBondsMember"/>    
  <xs:element name="InvestingInDerivativesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_InvestingInDerivativesMember"/> 
  <xs:element name="ManagementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="ck0001496998_ManagementMember"/>  
</xs:schema>
