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Making Homeownership Possible, Even When It's Complex.

Expert Mortgage Advice. Find the Right Loan for You.

Get Expert Mortgage Advice.

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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.

Hero Home Loans

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.

Traditional Financing

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

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

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 is more than just a mortgage tool; it’s your gateway to smarter home financing. By leveraging advanced algorithms and real-time data, Mortgage Calculator ensures you have the most accurate and relevant information at your fingertips. Whether you’re a first-time homebuyer or looking to refinance, our calculator simplifies the mortgage process, making it accessible and straightforward.

Select Loan Type

Home Price

$

Length

Down Payment

$

Interest Rate

%
$1068.73
Your Monthly Payment Will Be

Video Gallery

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

Tip 1: Understand your credit score

Video Tutorial - How to apply for loan with AmeriTrust

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.

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Stay Connected

+1 ( 888 ) 499 - 9060

info@ameritrust-mortgage.com

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