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Find Your Perfect Home Loan Solution with Our Non-QM, FHA, First-Time Buyer, and Conventional Loan Options

Start your homeownership journey with confidence through our diverse loan programs. From Non-QM home loans and FHA loans to options for first-time buyers, we offer tailored solutions to meet your unique needs.

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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

At Ameritrust Mortgage , we’re a direct lender, meaning we manage the entire loan process—from origination and underwriting to funding—under one roof. This streamlined approach provides greater efficiency and control, delivering a seamless experience for our clients. Industry research consistently highlights the benefits of working with direct lenders like Ameritrust Mortgage, where every step is handled with care and expertise.

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Competitive Rates & Flexible Terms

As a direct lender, we provide competitive rates and customized loan solutions, ensuring our clients receive the best loan options at the lowest possible rate.

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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.

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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.

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Traditional Financing

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

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Specialized Non-QM Solutions

Industry-leading programs for self-employed borrowers, real estate investors and foreign nationals, including Bank Statement, DSCR, Profit and Loss Only, 1099 Only, Asset Depletion, and ITIN. and

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Transparent Communication

Our experienced Loan Officers provide personalized guidance and transparent communication throughout the entire process, ensuring our 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
  • Uses 1 or 2 years of 1099 forms to qualify borrowers.

Profit & Loss Only

FICO

660 MIN.

LTV

85% MAX.

Uses P&L statements to assess income and business viability.

  • $3 Million Max Loan Amount
  • Primary, 2nd home and Investment
  • Purchase, Rate and Term or Cash out

Foreign National Loans

FICO

700 MIN.

LTV

75% MAX.

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

  • $ 2M Max Loan Amount
  • First Time investors are allowed
  • Available for those with different types of visas (e.g., E2, H1B, L1).
  • Short term rental income can be used to qualify.

DSCR Mixed Use

FICO

700 MIN.

LTV

75% MAX.

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

  • Properties up to 10 Units
  • Mixed use Commercial and Residential space
  • Commercial space not to exceed 49%
  • $2 Million Max Loan Amount

Bank Statement Loans

FICO

620 MIN.

LTV

90% MAX.

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

  • Cash Out up to 80% LTV
  • Primary, 2nd Home, Investment
  • Utilizes 12-24 months of personal or business bank statements to assess income.
  • No Tax Returns required

DSCR Loans

FICO

620 MIN.

LTV

80% MAX.

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

  • 1 to 4 Unit Residential Properties
  • Investment Only
  • FICO = ok 620 min
  • LTV = ok 80% Max
  • Loan amount up to $3.5 Million
  • Vacant Properties

ITIN Loans

FICO

700 MIN.

LTV

80% MAX.

For borrowers living in the USA without a Social Security Number and instead have an ITIN number.

  • Loan amounts up to $1.5 Million
  • Qualify with Tax returns or Business Bank Statements
  • Suitable for primary residences, second homes, and investment properties.

1 Year Tax Returns

FICO

660 MIN.

LTV

90% MAX.

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

  • Qualify with only 1 year of Tax Returns
  • Loan Amounts up to $4 Million
  • Purchase, Refinance or Cash out
  • Purchase, Refinance or Cash out
  • Primary or Investment Home

Mortgage Calculate

Mortgage Calculator simplifies home financing with advanced algorithms and real-time data. Perfect for first-time buyers or refinancing, it offers accurate, accessible insights.

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

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+1 ( 888 ) 499 - 9060

info@ameritrust-mortgage.com

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