Non-Delegated Underwriting

For clients approved for Non-Delegated underwriting, we underwrite loans, both agency and non-agency, for you prior to closing.  Once you have funded and closed the loan, we conduct a final review and purchase of your loan in an efficient and transparent process that you can rely on. We are your extended team, just a click or phone call away!

Loan Review Process from Submission to File Delivered

Fast. Easy. Accurate.

Client Centric Service! 

Best-in-class service and lasting, mutually beneficial relationships are the basis of everything AmeriHome Correspondent does. AmeriHome employs knowledgeable and accessible sales representatives and underwriting and support staff, clear product and program guides, and a consistent, transparent process. In addition, we place a premium on the needs of our partners, and are willing and able to make changes to policies and procedures when prudent.



Fannie Mae

    • Standard Conforming Balance Program (Fixed)
    • Standard High-Balance Program (Fixed)
    • HomeReady® (Fixed)
    • Texas 50(a)(6) (Fixed)
    • Available Delegated and Non-Delegated

Freddie Mac

    • Conforming Program (Fixed)
    • Super Conforming Program (Fixed)
    • Home Possible® (Fixed)
    • HomeOne® (Fixed)
    • Texas 50(a)(6) (Fixed)
    • Available Delegated and Non-Delegated


    • Conforming and High-Balance (Fixed)
    • Streamline Refinance – Conforming and High Balance (Fixed)
    • Available Delegated and Non-Delegated


    • Conforming and High-Balance (Fixed)
    • Jumbo Loan amounts up to $1.5 million
    • VA IRRRL Conforming and High-Balance (Fixed)


Scratch & Dent

    • Agency and Non-Agency Fall Out
    • Fannie & Freddie
    • Jumbo & Non-QMAgency repurchases
    • DTI’s up to 50%
    • Newly originated or seasoned loans
    • Full appraisals required (PIW loans require a Drive-by)
    • Max 1×30 last 24 months, must be current
    • Compliance related issues considered
    • Must be US Citizens or Permanent Resident Aliens

Emerging Bankers Program! 

AmeriHome’s Emerging Banker Program can help you navigate the transition from broker to banker by providing the knowledge, support, and resources you need! Benefits include increased access to products, control of the process, recruiting tools, not to mention increased profitability, without significant additional overhead or risk exposure!


For more information on how AmeriHome can help you grow your  business!