AmeriHome is committed to providing products aligned specifically for your sales force and borrowers, enhancing your ability to attract and retain high quality originators and grow your business.
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Simple

Minimal overlays and straightforward guidelines on all programs.

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Transparent

A transparent, streamlined, and fast loan purchase process.

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Proprietary

Continuous development of product offerings to meet our client's needs.

Underwriting Options

image description Delegated Underwriting
  • Consistent, competitive pricing
  • Dedicated, responsible, reliable operational support
  • Average loan purchase life cycle of 6 days or less!
  • Full suite of Agency, Government, and specialty products
  • Minimal overlays and straightforward guidelines on all products
  • $2.5 million Minimum Tangible Net Worth*
image description Non-Delegated Underwriting
  • Consistent, competitive pricing
  • Dedicated, responsible, reliable operational support
  • Competitive Turn Times
    • 48 hours for Initial Underwriting
    • 24 hours for Conditions Sign-Off
    • 5 business days for purchase (from delivery of a complete closing package)
  • Same product offering as our Delegated Channel (VA and USDA coming soon!)
  • Same overlays as AmeriHome Delegated Correspondent Channel (with Tax Transcripts Required)
  • $250,000 Minimum Tangible Net Worth

Products

  • Fannie Mae
    1. Standard Conforming Balance Program (Fixed and ARM)
    2. Standard High-Balance Program (Fixed and ARM)
    3. DU Refi Plus Program – Conforming and High-Balance (Fixed)
    4. HomeReady (Fixed)
    5. Texas 50(a)(6) (Fixed and ARM)
    6. Available Delegated and Non-Delegated
  • Freddie Mac
    1. Conforming Program (Fixed and ARM)
    2. Super Conforming Program (Fixed and ARM)
    3. Relief Refinance Open Access Program – Conforming and High-Balance (Fixed)
    4. Home Possible (Fixed)
    5. Texas 50(a)(6) (Fixed)
    6. Available Delegated and Non-Delegated
  • FHA
    1. Conforming and High-Balance (Fixed and ARM)
    2. Streamline Refinance – Conforming and High Balance (Fixed)
    3. Available Delegated and Non-Delegated
  • VA
    1. Conforming and High-Balance (Fixed and ARM)
    2. VA IRRRL Conforming and High-Balance (Fixed and ARM)
    3. Available Delegated Only at this time
  • USDA
    1. Guaranteed Rural Housing Program – Conforming and High-Balance (Fixed)
    2. Streamlined Refinance (Fixed)
    3. Available Delegated Only at this time
  • Core Jumbo
    1. Fixed and ARM
    2. Up to $2.5 Million
    3. 1-4 Units
    4. Condos, Second Homes, Investment Properties
    5. Cash-Out
    6. Available Delegated and Non-Delegated
  • Scratch & Dent

    Acceptable Types of Defects

    • Fixed and ARM
    • Up to $2 Million
    • 1-4 Units
    • Condos, Second Homes, Investment Properties
    • Cash-Out

Delegated Commitment Options

Best Efforts

Best Efforts Commitments, also referred to as “Best Efforts Locks,” allow sellers to lock-in a price for the delivery of a single mortgage loan for a specific property and borrower(s), without incurring fees if the mortgage loan is not closed and not purchased by AmeriHome.

Bulk Trade

Bulk Trade Commitments provide sellers with the ability to obtain competitive pricing on a specific set (specified pool) of identified mortgage loans that fit the terms of the commitment requested, AmeriHome eligibility guidelines, and the terms of the seller's agreement with AmeriHome. Sellers can commingle multiple eligible products and multiple interest rates into a single bulk trade. The delivery of the identified mortgage loans is mandatory and failure to do so under the terms of the commitment confirmation will result in the assessment of a pair-off fee. Bulk trade commitments are managed by the AmeriHome Trade Desk.

Direct Trade

A Direct Trade is a commitment for delivery of an unspecified set of loans that are deliverable into a single security type, security coupon, security settlement date, security maturity term, and pool prefix, offered by AmeriHome on a commitment lock date. Delivered mortgage loans must fit the commitment terms and AmeriHome's broader guidelines as noted in the Seller Guide, Program Guides, the agreement, and other documents incorporated by reference. The minimum eligible Direct Trade size is $3 million.

Assignment of Trade

Assignment of Trade is a commitment for delivery of an unspecified set of loans that are deliverable into a single security type, security coupon, security settlement date, security maturity term, and pool prefix, offered by AmeriHome on a commitment lock date. Delivered mortgage loans must fit the commitment terms and AmeriHome's broader guidelines as noted in the Seller Guide, Program Guides, the agreement, and other documents incorporated by reference. The minimum eligible Assignment of Trade size is $1 million.

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