Loan Expert Team
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Flexible Home Financing Solutions Beyond Traditional Lending
We believe in the value of relations and work hard always to deliver exceptional service - partner with us to learn how we bring value and expertise to your Non-QM needs. Our strong presence in the mortgage industry is built on a foundation of serving the client first and closing loans based on the relationships we foster. We pride ourselves on providing borrowers with a wide variety of loan products and programs to choose from, which gives us the ability to say "yes" to clients more often than more lenders.
Why Choose Our Non-QM Loan Programs?
At Ameritrust Mortgage, we empower mortgage brokers to thrive in the ever-evolving lending landscape. Our comprehensive wholesale lending platform provides you with the tools, resources, and expertise to expand your offerings, close more loans, and cultivate lasting client relationships.
Client-Centered Approach
Diverse Loan Options
Expertise and Experience
High Approval Rates
Strong Industry Presence
Seamless Application Process
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Client Satisfaction Rate
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Years of Industry Experience
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Faster Loan Approvals
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Billion in Funded Loans
Your Gateway to Flexible Home Financing
Non-Qualified Mortgage (Non-QM) Loans:
Are you a self-employed professional, a real estate investor, a foreign national, or someone with a unique financial situation? If traditional mortgage options seem restrictive, non-QM loans could be your key to unlocking homeownership or investment opportunities.
At Ameritrust Mortgage, we specialize in non-QM lending, offering a diverse portfolio of loan products tailored to borrowers who don't fit the conventional mold. Our expert team is dedicated to providing transparent guidance, competitive rates, and streamlined approvals to help you achieve your real estate goals.
What are Non-QM Loans?
Non-Qualified Mortgage (Non-QM) loans are mortgage products that fall outside the strict guidelines set by government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac. These loans offer greater flexibility in qualifying criteria, making them ideal for borrowers who don't fit the traditional mold, such as self-employed individuals, real estate investors, and those with unique income streams.
Ameritrust Mortgage: Your Non-QM Specialists
Ameritrust Mortgage is a leading provider of non-QM loans, offering a wide range of programs designed to meet the diverse needs of borrowers. Our experienced team specializes in non-QM lending and is committed to providing personalized guidance and support throughout the loan process.
Non-QM Loans! Who They're Ideal For
Self-Employed Professionals
Business owners, freelancers, and contractors with fluctuating or complex income.
Real Estate Investors
Individuals who rely on rental income or have multiple properties.
High-Net-Worth Individuals
Borrowers with substantial assets but limited traditional income documentation.
Foreign Nationals
Non-U.S. citizens seeking to purchase property in the United States.
Recent Credit Events
Those with recent credit challenges who may not qualify for traditional mortgages.
Key Features Of Ameritrust Mortgage Non-QM Loan Products
80% LTV DSCR Loans
DSCR with 640 FICO Score
Mixed-Use/Multi-Family DSCR
90% LTV Full Doc, Alt Doc, Bank Statements
2-Month Bank Statements with 760 FICO & 90% LTV
40-Year Fixed Rate & Interest-Only Mortgages
Debt Consolidation Refinances up to 85% LTV
Asset Utilization (36 & 60-month calculation options)
Expanded Credit (640 minimum FICO)
ITIN Loans up to 80% LTV (primary, second home, investment)
85% LTV Cash Out (unlimited)
Cash Out Counts Towards Reserves
Foreign National Loans up to 75% LTV
DU Findings Accepted on Select Products
Bankruptcy Seasoning: 12 months or more
Condotel Financing
Non-Permanent Resident Aliens Welcome
Second Homes & Non-Owner Occupied (NOO) to 85% LTV
No Tradeline Requirement for Primary Wage Earner (3 scores)
Experience the Difference with Our Non-QM Loans:
Non-QM Loan Programs
Ameritrust Mortgage offers flexible non-QM loans tailored for borrowers with unique needs. Our expert team specializes in personalized guidance, helping with credit challenges, unconventional documentation, and customized solutions to make homeownership achievable for diverse financial situations.
Purpose of 1099 Loans:
Tailored for freelancers, independent contractors, and gig workers who receive 1099 income.
Simplified Income Verification: Uses 1099 forms to prove income, no need for complex tax returns.
Flexible Underwriting: Accommodates fluctuating income and allows for write-offs.
Competitive Rates & Terms: Offers competitive interest rates and flexible repayment terms.
Multiple Property Types:Multiple Property Types: Can be used for primary residences, second homes, or investment properties.
1099 Loans Ideal For: Independent contractors, freelancers, consultants, and other professionals with 1099 income who want to leverage their business income for a mortgage.
Purpose of ITIN Loans:
Specifically designed for borrowers who don't have a Social Security Number (SSN) but possess an Individual Taxpayer Identification Number (ITIN).
Accessible to Non-U.S. Citizens: Open to foreign nationals, non-permanent residents, and those without an SSN.
Alternative Documentation: May accept alternative forms of income verification like bank statements or foreign tax returns.
Diverse Property Options: Suitable for primary residences, second homes, and investment properties.
Build Credit History: Can help ITIN holders establish credit history in the U.S.
ITIN Loans Ideal For: Non-U.S. citizens, including foreign nationals, non-permanent residents, and those with ITINs.
Bank Statement Loans Purpose:
Perfect for self-employed borrowers or those with fluctuating income who cannot provide traditional tax documents.
Income Verification Flexibility: Utilizes 12-24 months of personal or business bank statements to assess income.
Less Emphasis on Tax Returns: Doesn't rely heavily on traditional tax documents, making it ideal for those with write-offs.
Variety of Programs: Offers different options based on the number of bank statements required (12 or 24 months).
Suitable for Different Properties: Can be used for primary residences, second homes, and investments.
Asset Depletion & Asset Utilization Loans Purpose:
Designed for borrowers with substantial assets but limited income, offering an alternative way to qualify for a mortgage.
Leverage Assets: Uses verified assets (stocks, bonds, retirement accounts, etc.) to calculate qualifying income.
No Income Verification: Does not require traditional income documentation like W-2s or tax returns.
Flexible Qualification: Different methods to calculate income based on the assets available.
Ideal for Retirees & High Net Worth Individuals: A perfect solution for those with significant assets but reduced income.
Asset Depletion Ideal For: Retirees, high-net-worth individuals, and investors who want to leverage their assets for a mortgage.
Foreign National Loans Purpose:
Designed for non-U.S. citizens seeking to purchase property in the United States.
Flexible Credit Requirements: Often have less stringent credit history requirements than traditional loans.
Various Visa Options: Available for those with different types of visas (e.g., E2, H1B, L1).
Property Types: Can be used for primary residences, vacation homes, or investment properties.
No U.S. Credit History Needed: Some programs cater to borrowers with no established credit history in the U.S.
Foreign National Loans Ideal For: Foreign nationals, non-permanent residents, and visa holders looking to invest in U.S. real estate.
Bridge Loans Purpose:
Offer short-term financing to "bridge" the financial gap during real estate transactions, such as buying a new home before selling an old one.
Fast Approval & Funding: Often approved and funded quickly, ideal for time-sensitive transactions.
Interest-Only Payments: Can ease the financial burden during the bridge period.
Flexible Terms: Can be customized to fit your specific needs and timeline.
Asset-Based: Typically secured by the existing property or the new property being purchased.
Bridge Loans Ideal For: Homeowners in transition, real estate investors who need quick access to capital for a new purchase.
P&L Loans (Profit and Loss) Purpose:
Specifically designed for self-employed borrowers and small business owners whose income is best reflected in their business's profit and loss statements.
Income Verification: Uses P&L statements to assess income and business viability.
Business-Focused Underwriting: Considers the unique financial dynamics of small businesses.
Accommodates Write-Offs: May be more lenient than traditional loans for business owners who deduct expenses.
Recent Business is Okay: Can be a good option for businesses that have been operating for a short period.
P&L Loans Ideal For: Self-employed professionals, small business owners, and entrepreneurs with a profitable business.
Investor Cash Flow Loans Purpose:
Specifically tailored for real estate investors who want to leverage the cash flow generated by their properties.
Property-Based Qualification: Qualifies borrowers based on the rental income of the investment property.
Higher LTV Ratios: Potentially allows for higher loan-to-value ratios compared to traditional loans.
Interest-Only Options Available: Can help manage cash flow for rental property owners.
Multiple Property Types: Suitable for single-family homes, multi-family units, and even commercial properties.
Investor Cash Flow Loans Ideal For: Experienced real estate investors looking to maximize their investment portfolio.
Debt Service Coverage Ratio (DSCR) Loans Purpose:
Used to finance income-producing properties, focusing on the property's ability to generate enough income to cover debt payments.
Property Income Focus: Qualification based on property's net operating income (NOI) rather than personal income.
Lower Credit Score Requirements: Often have more flexible credit score guidelines than traditional loans.
Higher Leverage: Potential for higher loan-to-value (LTV) ratios.
Interest-Only Options: May offer interest-only periods to maximize cash flow during the initial loan term.
DSCR Loans Ideal For: Real estate investors who prioritize cash flow and want to leverage property income for financing.
Jumbo Non-QM Loans Purpose:
For high-value properties that exceed the loan limits set by Fannie Mae and Freddie Mac.
Large Loan Amounts: Offer financing above conforming loan limits, often reaching millions of dollars.
Flexible Underwriting: May have more lenient income and asset verification requirements.
Luxury Properties: Ideal for financing luxury homes, vacation homes, or high-end investment properties.
Diverse Borrower Profiles: Suitable for self-employed borrowers, high-income earners, and those with unique financial situations.
Jumbo Non-QM Loans Ideal For: Affluent borrowers and investors seeking financing for high-value properties.
Interest-Only Non-QM Loans Purpose:
Provide lower initial payments by allowing borrowers to pay only the interest on the loan for a set period.
Reduced Monthly Payments: Can significantly lower monthly payments during the interest-only period.
Flexible Terms: Interest-only periods typically range from 5-10 years.
Potential Tax Benefits: Interest payments may be tax-deductible (consult your tax advisor).
Refinancing Options: May be refinanced into a fully amortizing loan before the interest-only period ends.
Interest-Only Non-QM Loans Ideal For: Borrowers who anticipate a significant increase in income, real estate investors seeking to maximize cash flow, and those who prefer lower initial payments.
No Ratio Loans Purpose:
Provide financing to borrowers with high net worth or strong assets but who may not meet traditional debt-to-income (DTI) ratio requirements.
No DTI Restrictions: No limitations on debt-to-income ratio, focusing on overall financial strength.
Asset-Based Underwriting: Relies heavily on the borrower's assets and creditworthiness.
Flexible Loan Options: Available for various purposes, including purchases and refinances.
Higher Loan Amounts: Often allow for larger loan amounts than traditional loans.
No Ratio Loans Ideal For: High-net-worth individuals, real estate investors, and borrowers with significant assets but lower income.
Have Questions?
Wondering Something?
Below you can find the answers to frequently asked questions.
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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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