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Home Loan Programs:
Which Home Loan Program Is Right for You?

Explore our diverse range of refinancing solutions crafted to enhance your financial stability and meet your evolving needs.

Fill out this form to Get Started

Which best describes you?

Self Employed

Self Employed

VA Eligible

VA Eligible

Real Estate Investor

Real Estate Investor

Other

Other

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What are Mortgage Loan Programs?

Mortgage loan programs are structured financing options offered by lenders to help individuals purchase or refinance homes. Each program has unique eligibility requirements, terms, and conditions, designed to cater to different financial situations and needs. We'll cover everything from conventional loans and FHA loans to specialized non-QM loans, ensuring you have a comprehensive understanding of your choices.  

Types of Non-QM Loans Available with Ameritrust

Tailored loan options for self-employed, fluctuating incomes, or unique credit needs.

Bank Statement Loans

Leverage your bank statements to demonstrate income and qualify for financing.

Income Verification:12 or 24 months of bank statements

Maximum Loan Amount:Up to $3.5 Million

Maximum DTI:50%

Loan Purposes:Purchase, rate/term refinance, cash-out refinance

Property Types:Primary residence, second home, investment property

Income Calculation:Based on average deposits over the statement period

Eligible Borrowers:Self-employed, freelancers, business owners

Additional Documentation:May include P&L statements, tax returns (if available), asset statements

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640

min.

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90%

max.

A bank statement loan is a mortgage option tailored for self-employed individuals, allowing them to verify income using personal or business bank statements instead of traditional documents like tax returns, W-2s, or paystubs.

This program is ideal for small business owners, independent contractors, or those who don't own 100% of their business.

Our Bank Statement program offers a loan solution for credit-worthy self-employed borrowers who might not qualify for a conventional home loan, helping them secure the financing they deserve.

Loan Lock Home Loans

Navigating Mortgage Loan Programs:

Embarking on the journey to homeownership or seeking to refinance your existing mortgage? Understanding the diverse landscape of mortgage loan programs is essential. We'll explore the various options available, ensuring you find the best fit for your unique financial situation. Whether you're a first-time buyer or a seasoned investor, knowing your options is crucial.

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Fixed-Rate Mortgages

Predictable monthly payments.

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Adjustable-Rate Mortgages (ARMs)

Lower initial rates with potential adjustments.

Factors to Consider When Choosing a Mortgage Loan Program

  • Credit Score:

    A good credit score generally leads to better interest rates.

  • Down Payment:

    The amount you pay upfront.

  • Income and Employment History:

    Proof of stable income.

  • Debt-to-Income Ratio (DTI):

    Your total debt compared to your income.

  • Interest Rates:

    Whether you want fixed rates or adjustable rates.

  • Loan Term:

    The length of the mortgage term.

How Can we Help?

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

Get in touch with our Loan Agents at

714-814-2125

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Stay Connected

714-814-2125

info@loanlockhomeloans.com

Address: 6 Hutton Centre Drive,Suite 1030, Santa Ana,CA92707