Non-Agency Solutions That Help You Say “Yes” More Often
Expand Your Lending Options. Serve More Borrowers.
Not every qualified borrower fits inside agency guidelines. With AmeriHome’s Non-Agency solutions, you can confidently serve borrowers with unique income profiles, investment property goals, or jumbo financing needs, helping you close more loans and grow you business.
Whether you’re working with self-employed borrowers, real estate investors, high-net-worth clients, or borrowers seeking larger loan amounts, AmeriHome provides flexible financing options backed by the responsive service you expect.
Why Choose Non-Agency Lending?
- Capture more loan opportunities that might otherwise be declined due to traditional agency requirements.
- Offer alternative solutions for today’s borrowers, including self-employed individuals, investors, and clients with complex financial profiles.
- Differentiate your business with specialized products that help you stand out in a competitive market.
- Expand referral relationships with real estate agents, financial advisors, and investors by solving challenging financing scenarios.
- Help grow your production with flexible underwriting and qualification options designed for real-world borrowers.
AmeriHome’s Non-Agency Solutions Built Around Borrower Needs
AUS Jumbo Express
Ideal for borrowers seeking higher loan amounts with steamlined qualification options.
Key Benefits:
- Loan amounts up to $3 million
- LTVs up to 89.99% with no mortgage insurance requirements
- Reduced income and asset documentation based on AUS findings
- Available for primary residences, second homes, and investment properties
- Flexible qualifying options, including RSU income
Non-QM DSCR
A powerful solution for real estate investors focused on property cash flow rather than personal income.
Key Benefits:
- No personal income or employment verification required
- Qualification based on property cash flow (DSCR)
- Financing for investment properties up to four units
- Loan amounts up to $3 million
- LLC vesting permitted
Non-QM Expanded
Designed for borrowers whose financial picture doesn’t fit conventional documentation requirements.
Key Benefits:
- Bank statement, asset qualifier, and full doc options
- Loan amounts from $100,000 to $3 million
- Financing for primary, second home, and investment property transactions
- LTVs up to 85%
- Flexible income verification methods for self-employed borrowers
Ready to Expand Your Product Offering?
Connect with your AmeriHome Account Executive today to learn how approved sellers can qualify for incentives for new loans funded.