New Horizons with Ameritrust’s Reverse Mortgage Solutions!

Start a journey to financial freedom with our reliable reverse mortgage options.

Points to Know

Ameri-trust’s Reverse Mortgage

Qualification of Reverse Mortgages

Age requirement: Homeowners must be at least 62 years old.

Homeownership: Own your property outright or have a low, payoffable mortgage balance..

Primary residence: The property must be the homeowner's primary residence.

Benefits of Reverse Mortgages

Supplemental income: Provides homeowners with additional cash flow during retirement.

Flexible payment options: Offers various disbursement options, including lump sum, monthly payments, or line of credit.

Enjoy Freedom from Monthly Payments in Retirement

Why Choose Us

Years of Expertise, Reliable Mortgages

Personalized Service, Tailored Solutions

Low Rates, Smart Financing

Clear Communication, Informed Decisions

Compliance with FHA (Federal Housing Administration) regulations is crucial for lenders offering reverse mortgage products. FHA regulations govern various aspects of reverse mortgages, including eligibility criteria, loan limits, borrower counseling requirements, and property appraisal standards. Lenders must adhere to these regulations to ensure that their reverse mortgage products comply with FHA guidelines and are eligible for FHA insurance.

Some key areas of compliance for lenders of reverse mortgages include:


Eligibility Verification

Lenders must verify that borrowers meet FHA eligibility requirements for reverse mortgages, including age (62 or older), homeownership status, occupancy of the property as a primary residence, and financial stability.


Loan Limits

FHA sets maximum loan limits for reverse mortgages, which vary depending on factors such as the borrower's age, the appraised value of the home, and current interest rates. Lenders must ensure that the loan amount does not exceed FHA limits.


Borrower Counseling

FHA mandates reverse mortgage applicants to counsel with HUD-approved advisors for loan insight. Lenders must provide approved agency lists, ensuring counseling precedes application processing.


Property Appraisal

FHA requires lenders to obtain an independent appraisal of the property to determine its value and ensure that it meets FHA standards for safety, security, and habitability.


Loan Documentation

Lenders must accurately document all aspects of the reverse mortgage transaction, including the loan application, disclosures, loan terms, and closing documents, in compliance with FHA and other regulatory requirements.


Consumer Protections

Lenders must adhere to FHA rules safeguarding borrowers, including bans on deceptive ads, high-pressure sales, and mandates for clear loan term disclosures.

Ready to put a little extra cashback in your wallet each month? Let's make it happen together!

Reach out to Ameritrust Mortgage today and take the first step towards financial freedom. Your brighter financial future awaits!

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

Have Questions?

Curious about anything?

Below you can find the answers to frequently asked questions.

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.

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.


Stay Connected

+1 ( 888 ) 499 - 9060

Address: 17341 Irvine Blvd.,

Suite 285, Tustin, CA 92780