Loan Expert Team
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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.
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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.
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 simplifies home financing with advanced algorithms and real-time data. Perfect for first-time buyers or refinancing, it offers accurate, accessible insights.
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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.
AmeriTrust Mortgage Corporation
NMLS# 217229
888-499-9060
17341 Irvine Blvd., Suite 285Tustin, California. 92780
info@ameritrust-mortgage.com
Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
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- Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
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+1 ( 888 ) 499 - 9060
info@ameritrust-mortgage.com
Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780
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- +1 ( 888 ) 499 - 9060
- 17341 Irvine Blvd., Suite 285,
- Tustin, CA 92780
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