Understanding Your Mortgage Options: QM vs. Non-QM Loans

Evaluate QM and Non-QM loans to understand their distinct criteria and features, enabling an informed decision regarding your home financing needs.


What are Qualified Mortgage (QM) Loans?

Regulatory Compliance

QM loans adhere to strict guidelines set by the Consumer Financial Protection Bureau (CFPB).

Risk Stability

These loans have stable features that make them less risky for lenders and borrowers.

QM Loan Characteristics

QM loans, regulated by the CFPB, offer stability for both lenders and borrowers, with features like a 43% DTI limit and verified income/assets.

Ameritrust-QM Loans

Ameritrust-Mortgage offers a variety of QM loans, providing borrowers with stable and predictable financing options.


What are Non-Qualified Mortgage (Non-QM) Loans?

Non-QM Flexibility

Non-QM loans do not meet the QM guidelines, allowing for more flexibility in underwriting criteria.

Non-QM Borrower Considerations

Non-QM loans help ineligible borrowers, like self-employed or those with non-traditional credit, offering tailored financial solutions.

Non-QM Loan Features

Non-QM loans may feature higher DTI ratios, interest-only payment options, or alternative documentation requirements.

Ameritrust Non-QM Solutions

Ameritrust-Mortgage provides Non-QM loans for diverse financial profiles, offering tailored financing solutions to meet individual needs.

Cash-Out Refinancing Offers Homeownerships the Opportunity to tap into their Home’s Equity while Securing a new Mortgage with Potentially better Terms.

Let’s explain the benefits and advantages of Cash-Out Refinancing & how it could be the financial you are searching for.

Regulatory Compliance

Qualified Mortgage (QM) loans adhere to strict guidelines set by regulatory agencies like the Consumer Financial Protection Bureau (CFPB), ensuring stability and reliability for both lenders and borrowers. Non-QM loans, on the other hand, offer more flexibility in underwriting criteria but may not meet QM guidelines.

Flexibility vs. Stability

QM loans provide stable features and lower risk for lenders and borrowers due to their adherence to strict criteria, including maximum debt-to-income ratios and no risky loan features. Non-QM loans offer flexibility in underwriting, catering to borrowers with unique financial situations or non-traditional income sources.

Diverse Borrower Profiles

While QM loans suit borrowers with traditional financial profiles and stable income, Non-QM loans cater to individuals who may not qualify for QM loans due to reasons like self-employment income, non-traditional credit history, or high debt-to-income ratios. Ameritrust-Mortgage offers both QM and Non-QM loan options to meet the diverse needs of borrowers in the housing market.

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

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