Loan Expert Team
Home Loans California
DSCR Loans in California are a game-changer for real estate investors seeking flexible financing solutions. These loans, designed for borrowers who rely on rental income to qualify, offer a smarter way to fund investments without traditional income verification. Ameritrust Mortgage specializes in delivering top-notch DSCR loan programs tailored to meet the unique needs of California property investors.
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California Mortgage Options
At Ameri Trust Mortgage, we offer a comprehensive range of mortgage solutions designed to help you achieve your unique financial goals, whether you're buying your first home, upgrading to a larger property, investing in real estate, or looking to refinance your current loan. Our variety of mortgage products ensures that no matter your financial situation or homeownership aspirations, we have a tailored solution to meet your needs.
Conventional Loans: Ideal for buyers with good credit and stable income, offering competitive rates.
FHA Loans: Perfect for first-time buyers or those with lower credit scores, featuring low down payment options.
VA Loans: Exclusive benefits for veterans and active-duty military, including no down payment and no PMI.
Jumbo Loans: Designed for high-value properties, providing flexible terms for luxury homes.
Refinance Options: Lower your monthly payments, shorten your loan term, or access cash from your home’s equity.
Mortgage Loan California
Ameritrust Mortgage is your trusted partner for mortgage solutions in California. We offer Non-QM loans, DSCR programs, and refinancing options to meet diverse financial needs. Our expertise ensures seamless loan processes, making property ownership and investment more accessible in California.
Areas We Serve
From first-time buyers in bustling cities to investors eyeing luxury properties, we provide tailored mortgage solutions for homeowners across California.
Los Angeles
San Francisco
San Diego
Sacramento
San Jose
Oakland
Fresno
Long Beach
Bakersfield
Anaheim
Riverside
Stockton
Irvine
Santa Ana
Modesto
Oxnard
Fontana
Napa
Monterey
San Luis Obispo
Temecula
Victorville
Roseville
Thousand Oaks
Glendale
Huntington Beach
Chula Vista
Ventura
Pasadena
Santa Rosa
Sunnyvale
Rancho Cucamonga
Ontario
Palmdale
Garden Grove
Corona
Elk Grove
Santa Clarita
Hayward
Torrance
Salinas
Pomona
Carlsbad
Escondido
Santa Barbara
Newport Beach
Malibu
What Are Mortgage Loans?
Mortgage loans are financial tools designed to help individuals and businesses purchase or refinance real estate. In California, borrowers can explore conventional loans, FHA loans, VA loans, and Non-QM options. Each loan type provides unique benefits, catering to different financial needs and goals.
What Are the Loan Limits in California?
Loan limits in California vary by county, reflecting local property values. Key figures include:
FHA Loan Limits: $472,030 in standard areas, with higher limits in regions like Los Angeles and San Francisco.
Conforming Loan Limits: $726,200 for single-family homes, with jumbo loans available for higher values.
VA Loan Limits: No official cap, but guidelines may apply based on property value.
Jumbo Loan Options: Tailored solutions for properties exceeding conforming limits.
Benefits of DSCR Loans
No Personal Income Requirements: Qualification based solely on rental property performance.
Flexible Loan Terms: Customizable options to suit investment needs.
Quick Approval: Streamlined process for faster funding.
No Limit on Property Count: Finance multiple properties simultaneously.
Accessible for LLCs: Perfect for corporate or investment groups.
How the Mortgage Process Works
We simplify the mortgage process into a few easy steps:
Provide Property Cash Flow Data:
Demonstrate the rental income of your investment property.
Credit Score Requirement:
A minimum FICO score (typically 620 or higher).
Down Payment:
At least 20% of the property value.
Loan-to-Value Ratio (LTV):
Typically capped at 80%.
Reserves:
Show adequate cash reserves for future loan payments.
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.
Why Choose Ameri Trust Mortgage?
In-House Underwriting:
Direct lending with complete control over the loan process.
Expert Guidance:
A dedicated team of DSCR loan specialists to assist you.
Custom Solutions:
Tailored loan programs to meet your investment goals.
Fast Closings:
Efficient processes to help you seize market opportunities.
Trusted by Investors Nationwide:
Industry-leading expertise and proven results.
Have Questions?
Wondering Something?
Below you can find the answers to frequently asked questions.
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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info@ameritrust-mortgage.com
Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780
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- Tustin, CA 92780
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