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Making Homeownership Possible, Even When It's Complex.

Expert Mortgage Advice. Find the Right Loan for You.

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You have questions, we have solutions.

  • What’s the first step in buying a home?
  • How do I figure out my home-buying budget?
  • What mortgage options are available, and which is best for me?
  • How much do I need for a down payment?
  • What are the typical closing costs I should expect?
  • How can I improve my credit score for a better mortgage rate?
  • Should I choose a fixed or adjustable-rate mortgage?

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Apply for non-QM home loans

Start Your Journey to Homeownership Today

Don't let traditional mortgage requirements stand in your way. Explore our Non-QM loan programs and find the perfect fit for your needs. Our team is here to guide you every step of the way, ensuring a smooth and successful home-buying experience.

Ameritrust Mortgage:

The Direct Lender Advantage

Unlike mortgage brokers who act as intermediaries, Ameritrust Mortgage is a direct lender. This means we originate, underwrite, and fund loans all under one roof. This streamlined approach eliminates the middleman, delivering significant advantages to your clients. Industry studies consistently highlight the benefits of working with direct lenders like Ameritrust Mortgage:

Hero Home Loans

Competitive Rates & Flexible Terms

By cutting out the broker, we pass the savings on to your clients through more competitive interest rates and loan terms tailored to their specific financial needs.

Streamlined & Efficient Approvals

Our in-house underwriting and decision-making team ensures faster approvals, minimizing delays and getting your clients into their dream homes sooner.

Tailored Solutions & Loan Options

As a direct lender, we offer a comprehensive portfolio of loan products, catering to a wide range of borrowers and financial situations. Your clients can benefit from.

Traditional Financing

Competitive rates on Conventional, FHA, VA, Jumbo, and Super Jumbo loans.

Specialized Non-QM Solutions

Industry-leading programs for self-employed borrowers, real estate investors, and foreign nationals, including stated income, 1099 income, asset depletion, DSCR, ITIN, and bridge loans.

Transparent Communication

Our experienced loan officers provide personalized guidance and transparent communication throughout the entire process, ensuring your clients make informed decisions with confidence.

Experience the Difference with Our Non-QM Loans:

Non-QM Loan Programs

At Ameritrust Mortgage, we understand that every borrower is unique. That's why we offer a variety of <strong>Non-QM loan programs to suit different financial situations. Whether you are self-employed, have an inconsistent income, or need a loan that considers alternative credit criteria, we have the right solution for you.

1099 Loans

FICO

640 MIN.

LTV

90% MAX.

Our 1099 loans, provide flexible financing solutions tailored to your needs.

  • Upto 50% DTI Ratio
  • Interest Only Available
  • 1/2 Year Form
  • Uses 1 or 2 years of 1099 forms to qualify borrowers.

Asset Depletion Loan

DTI

60% UPTO

Term Months

36/60

Asset depletion is a financial strategy utilized by lenders to assess a borrower's eligibility for a loan.

  • 2 Month Bank Statement
  • ITIN Program to 80%
  • Foreign National to 75%
  • 1099 Only & DSCR
  • 12 Month Bank Statement

Foreign National Loans

FICO

700 MIN.

LTV

75% MAX.

A specialized loan program for foreign nationals, providing tailored financing solutions.

  • $ 3M Max Loan Amount
  • Asset Utilization allowed as an eligible doc option
  • Available for those with different types of visas (e.g., E2, H1B, L1).

Condotels Loans

FICO

680 MIN.

LTV

65% MAX.

Specialized mortgage products for financing units that are operated as part of a hotel or resort.

  • $ 1.5M Max Loan Amount
  • Minimum square footage of 500 sq/ft
  • ADSCR - Max LTV (Purchase Rate and Term): 70%

Bank Statement Loans

FICO

600 MIN.

LTV

90% MAX.

Bank statement loans assist self-employed borrowers with mortgage qualifications.

  • Upto 50% DTI Ratio
  • Cash Out up to 80% LTV
  • Primary, 2nd Home, Investment
  • Utilizes 12-24 months of personal or business bank statements to assess income.

DSCR Loans

FICO

620 MIN.

LTV

80% MAX.

Specialized financing option for real estate investors or commercial property owners.

  • 1003 With no income/job
  • Hazard Insurance
  • Appraisal w/ 1007
  • Copy of leases for the properties in question

Platinum ITIN Loans

DTI

43% UPTO

LTV

80% MAX.

For real estate investors who do not have a Social Security Number but possess an ITIN

  • Max 75% Cash out
  • 24 Month Business / Personal Bank Statement Optional Available
  • Suitable for primary residences, second homes, and investment properties.

Bridge Loans

LTC

90% UPTO

LTV

90% MAX.

Provide borrowers with immediate access to funds for a down payment or to cover expenses.

  • Upto $ 9M + Loan Amount
  • 6 - 60 Month
  • Interest Rate 9.50% - 12.99%
  • Typically secured by the existing property or the new property being purchased.

Mortgage Calculate

Mortgage Calculator is more than just a mortgage tool; it’s your gateway to smarter home financing. By leveraging advanced algorithms and real-time data, Mortgage Calculator ensures you have the most accurate and relevant information at your fingertips. Whether you’re a first-time homebuyer or looking to refinance, our calculator simplifies the mortgage process, making it accessible and straightforward.

Select Loan Type

Home Price

$

Length

Down Payment

$

Interest Rate

%
$1068.73
Your Monthly Payment Will Be

Video Gallery

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Swift Support

Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

Customer Service

Please provide your query, and we will assist you as quickly as we can.

Contact Us

Contact us for timely assistance, & we’ll be glad to help.

Take Your Brokerage to the Next Level

Ameritrust Mortgage is your gateway to limitless lending possibilities. Partner with us today and discover how our non-QM expertise, streamlined processes, and exceptional support can elevate your brokerage to new heights.

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Stay Connected

+1 ( 888 ) 499 - 9060

info@ameritrust-mortgage.com

Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780