NON-QM HOME MORTGAGE LOANS
Can’t Qualify for a Traditional Mortgage? We’ve Got Options.
Get approved for a Non-QM home loan, even if you’re self-employed, a real estate investor, or have credit challenges.
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Why AmeriTrust? Flexible mortgage solutions for real people with real-world finances.
If you’ve been turned away by traditional lenders, you’re not alone.
We offer Non-QM loans that don’t rely on W-2s or perfect credit. Use bank statements, rental income, or assets to qualify.
Whether you’re self-employed, an investor, or recovering from credit challenges, we can help you move forward.
Flexible Income Documentation
No W-2s needed—qualify with bank statements, 1099s, or assets.
Built for Investors
Use rental income—not your personal income—to qualify.
Credit-Friendly Options
Low score or past issues? You still have a path to approval.
Custom Loan Terms
Tailored solutions like interest-only or higher DTI limits.
About AmeriTrust
A Trusted Mortgage Partner Since 1986
Helping real people finance real dreams.
We believe everyone deserves access to smart home financing, even if they don’t fit into the traditional mold.
Our team brings decades of experience, personalized service, and a commitment to finding solutions where others see roadblocks.
Who We Are
With decades of combined mortgage experience, our leadership team is driven by one goal: helping real people access real solutions.
Our Process
We guide you from application to approval with clear steps and personal support—so you always know what’s next.
Client Feedback
Robin D.
The team at Ameritrust made the process easy and smooth. We were always kept updated and knew where we were in the process. Being a business owner, Ameritrust made our non-qm loan as easy as a traditional mortgage. Would highly recommend and will be using again when needed in the future.
Jorge S.
I keep coming back to work with them over and over again. Simply put, they are the best lenders out there in my opinion. They do an excellent job every time. Keep up the great work!
Karen R.
I’ve had the pleasure of working with Ameritrust Mortgage. They’re incredibly knowledgeable, responsive, and always willing to go the extra mile. Their team made the entire process smooth and efficient, from pre-approval to closing. I can’t recommend them enough!
What is a Non-QM loan?
A Non-QM (Non-Qualified Mortgage) loan is a home loan that doesn’t meet traditional lending rules but still offers safe, smart options for qualified borrowers who don’t fit the standard mold.
Who are Non-QM loans for?
They’re ideal for self-employed individuals, real estate investors, retirees, or anyone with non-traditional income or recent credit events.
Are Non-QM loans safe?
Absolutely. Non-QM loans are fully underwritten and follow responsible lending practices—they just use more flexible guidelines to qualify borrowers.
Can I get a Non-QM loan without tax returns?
Yes! Many Non-QM programs accept bank statements, 1099s, rental income, or assets instead of tax returns or W-2s.
Do Non-QM loans have higher rates?
They can have slightly higher rates than traditional loans, but for many borrowers, the flexibility and approval are worth it. Plus, rates are still competitive.
How fast can I close?
Many Non-QM loans close in as little as 21–30 days, depending on your documentation and loan type.
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Legal Disclaimer
Ameritrust Mortgage Corporation, NMLS #217229 located at 2201 Spinks Road, Suite 233, Flower Mound, TX, 75022. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org