Flexible Mortgage Solutions: Ameritrust Non-QM Loans.

Discover Ameritrust-Mortgage's Non-QM options, providing flexibility for unconventional borrowers. Unlock new homeownership possibilities today.

What Are QM and Non-QM Loans

Unique Option for Unique Needs

Non-QM loans are designed to cater to borrowers who may not meet the strict criteria of traditional qualified mortgages (QM). Here's why people may need non-QM loans:


Credit Issues

Some borrowers may have a less-than-perfect credit history, making it challenging to qualify for a QM loan. Non-QM loans offer options for individuals with lower credit scores or past credit issues.


Complex Income

Non-QM Loans: Flexible Income Verification for Self-Employed, Unconventional Earners. Access Home Financing Beyond QM Standards.


Unique Properties

Non-QM loans can be ideal for financing unique properties that don't conform to traditional lending guidelines. This includes properties with non-standard features or those requiring specialized financing solutions.


Debt-to-Income (DTI) Ratio

Non-QM Loans: Lenient DTI Requirements for Higher Debt Borrowers. Access Mortgage Solutions Beyond QM Standards.


Foreign Nationals

Non-QM loans can be suitable for foreign nationals or individuals without a U.S. credit history. These borrowers may face challenges obtaining traditional financing but can qualify for non-QM loans based on alternative criteria.


Unique Situations

Non-QM Loans: Tailored Solutions for Unique Financial Situations. Achieve Homeownership Goals with Customized Mortgages.

Take your time: Don't rush into buying a home.

Take the time to explore your options, ask questions, and make informed decisions. By following these guidelines and doing your research, you can increase your chances of finding the right home and securing a favorable mortgage loan.


Non-QM loans offer flexibility in eligibility criteria, allowing borrowers with unique financial situations, such as self-employment income or credit challenges, to qualify for mortgage financing.

Customized Solutions

These loans provide customized solutions tailored to individual circumstances, accommodating borrowers who may not fit within the strict guidelines of traditional qualified mortgages.

Access to Homeownership

Non-QM loans expand access to homeownership by providing financing options for borrowers who may not qualify for conventional mortgages, helping them achieve their housing goals.

Swift Programs

Explore Our Array of Loan Programs Tailored to Suit Your Needs

Discover home-ownership with our tailored loans. Our expert team ensures you get the perfect loan for your unique needs.


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

  • Min 640 FICO

  • Upto 90% Max LTV

  • Upto 50% DTI Ratio

  • Interest Only Available

  • 1/2 Year Form

Interested in this program


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

Interested in this program


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

  • Min 700 FICO

  • Upto 75% Max LTV

  • $ 3M Max Loan Amount

  • Asset Utilization allowed as an

  • eligible doc option

Interested in this program


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

  • Min 680 FICO

  • Upto 65% Max LTV

  • $ 1.5M Max Loan Amount

  • Minimum square footage of 500 sq/ft

Interested in this program


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

  • Min 600 FICO

  • Upto 90% Max LTV

  • Upto 50% DTI Ratio

  • Cash Out up to 80% LTV

  • Primary, 2nd Home, Investment

Interested in this program


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

Interested in this program


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

  • Upto 80% Max LTV

  • Upto 43% DTI Ratio

  • Max 75% Cash out

  • 24 Month Business / Personal Bank Statement Optional Available

Interested in this program


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

  • Upto 90% Max LTV

  • Upto 90% Max LTC

  • Upto $ 9M + Loan Amount

  • 6 - 60 Month

  • Interest Rate 9.50% - 12.99%

Interested in this program

Have Questions?

Curious about anything?

Below you can find the answers to frequently asked questions.

Swift Support

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Contact Us

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Get started now on your financial goals

Provide some basic information and we'll match you with a loan option and mortgage rate that meet your needs.


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+1 ( 888 ) 499 - 9060

Address: 17341 Irvine Blvd.,

Suite 285, Tustin, CA 92780