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
  • Minimal Overlays
  • Competitive Turn Times
  • Dedicated Account Manager
  • Dedicated Loan Scenario Desk
  • Conventional and FHA Products
  • $250,000 Minimum Tangible Net Worth (audited financials not required)
  • New Emerging Bankers Program
    • Created to help mortgage brokers transition to mortgage banking
    • Specialized onboarding, training, resources and tools
    • Loan level guidance

Products

  • Fannie Mae
    1. Standard Conforming Balance Program (Fixed and ARM)
    2. Standard High-Balance Program (Fixed and ARM)
    3. HomeReady® (Fixed)
    4. Texas 50(a)(6) (Fixed and ARM)
    5. Available Delegated and Non-Delegated
  • Freddie Mac
    1. Conforming Program (Fixed and ARM)
    2. Super Conforming Program (Fixed and ARM)
    3. Home Possible® (Fixed)
    4. HomeOne® (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
  • Portfolio Express
    1. Fannie Mae’s Desktop Underwriter® (DU®) drives the underwriting process 
    2. Loan Amounts from $50k to $2M 
    3. Primary residence, vacation homes, and investment properties
    4. Purchase, refinance, and cash-out options available
    5. Cash-out available up to $500,000
    6. Loans for single-family homes, condominiums, and 2-4 unit properties
    7. QM/Appendix Q requirements do not have to be met
  • Portfolio Jumbo
    1.  Manually underwritten full income documentation
    2.  Loan Amounts up to $3M
    3. Minimum Loan Amounts of the Fannie Mae General Loan Limit + $1.
    4. Primary Residence, 2nd Homes, and Investment Properties, including 1-4 units
    5. DTI up to 45%
    6. Purchase and Rate & Term up to 85% LTV/CLTV with no MI
  • Scratch & Dent (Coming soon)

    Details Coming Soon

  • Non-QM (Coming soon)

    Details Coming Soon

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

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.

Bulk Assignment of Trade

Bulk Assignment of Trade Commitments (Bulk AOT) provide Sellers with the ability to obtain competitive pricing on a specific set (specified pool) of identified Mortgage Loans. Seller can commingle multiple eligible products and interest rates into a single Bulk AOT Trade. TBA Hedges may be assigned against Loans in the Bulk Commitment that conform to certain requirements. Minimum TBA trade assignment is $500,000. AmeriHome accepts (only) the assignment of TBA securities.

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