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Expert Mortgage Advice: Find the Right Loan for You.

Expert Mortgage Advice. Find the Right Loan for You.

I need a Non-QM home loan.

I need a Home Purchase Loan

I’m a First-Time Home Buyer.

I need an FHA home loan.

I Need to Refinance my Home Loan

I need a second home loan (HELOC)

I need an Investment Property loan.

Get Expert Mortgage Advice.

Book Your One-on-One Consultation Now!

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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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:

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.
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.
Transparent Communication
Our experienced Loan Officers provide personalized guidance and transparent communication throughout the entire process, ensuring our clients make informed decisions with confidence.
Specialized Non-QM Solutions
Industry-leading programs for Self-employed, Bank Statement, DSCR, P&L, Asset Depletion, ITIN.
Traditional Financing
Competitive rates on Conventional, FHA, VA, Jumbo, and Super Jumbo loans.

Client Satisfaction Rate

Years of Industry Experience

Faster Loan Approvals

$0+

Billion in Funded Loans

Rent Vs Buying a Home

IS home Ownership Right for you?

Compare renting vs owning a home to understand the benefits of stability, equity, and long-term investment.

Renting

Paying your landlord's mortgage
Rent increase annually
Potential for relocation
Restrictions on pets and modifications
Limited control over living space
Security deposit rarely returned in full
No tax benefits
Offers flexibility

Owning

Building your own equity
Predictable & Fixed monthly payments
Own a Home - Growing investment
Stability and security
Freedom to upgrade and décor your home
Pride of ownership
Huge tax advantages
Build long-term wealth
Creates a sense of community

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.

I need a Bank Statement loan

I need a 1099 home loan.

I need a DSCR home loan.

I need a Bridge Loan.

I need an ITIN home loan.

I need an Asset Depletion loan.

I need a Condotel loan.

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
Our 1099 loans, provide flexible financing solutions tailored to your needs.
Min FICO. 640
Max LTV. 90%
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Profit & Loss Only
Uses P&L statements to assess income and business viability.
Min FICO. 660
Max LTV. 85%
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Foreign National Loans
A specialized loan program for foreign nationals, providing tailored financing solutions.
Min FICO. 700
Max LTV. 75%
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DSCR Mixed Use
Specialized mortgage products for financing units that are operated as part of a hotel or resort.
Min FICO. 700
Max LTV. 75%
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Bank Statement Loans
Bank statement loans assist self-employed borrowers with mortgage qualifications.
Min FICO. 620
Max LTV. 90%
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DSCR Loans
Specialized financing option for real estate investors or commercial property owners.
Min FICO. 620
Max LTV. 80%
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ITIN Loans
For borrowers living in the USA without a Social Security Number and instead have an ITIN number.
Min FICO. 700
Max LTV. 80%
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1 Year Tax Returns
Provide borrowers with immediate access to funds for a down payment or to cover expenses.
Min FICO. 660
Max LTV. 90%
Learn More
Apply Now