Self-Employed Mortgages Loans

No Tax Return? No W2? No Problem! 

Live Agents Standing By, Call Now!

Loans Offered

Interest Rate

Commercial Loans Please Call
Jumbo LoansPlease Call
30-Year Fixed Rate 2.5%
20-Year Fixed Rate 2.375%
15-Year Fixed Rate1.99%
10-Year Fixed Rate1.875%
7/1 ARM Rate2.5%
5/1 ARM Rate2.375%
30-Year FHA Rate2.5%

Bank Statement Mortgage Loans

Amerifund Corporation offers loans specifically for self-employed individuals such as independent contractors and small business owners. For self-employed mortgages with Amerifund Corporation, W2's and tax returns are not required in order to obtain a mortgage loan.


Individuals qualify based on their personal assets and collateral provided during the application process.

Bad/Poor Credit

Individuals who apply qualify based on their personal cash flow. We approve poor or bad credit applicants!

No W2's

Applicants qualify based on their personal or asset-based cash flow and not on their W2's or yearly taxes. 

Alternative Incomes

Applicants can qualify based on additional alternative income documentation. No taxes? No problem.


  • Easier credit guidelines

  • As little as 10% down payment

  • We look at your cash flow, not your taxes

  • Minimum credit score of 580

  • Pre-approved letter within 10 minutes

  • Multiple occupancy types available 


Self-Employed Mortgages Loans

We Have Helped Hundreds of Applicants Qualify for Home Loans

Self-Employed Mortgages Loans

At Amerifund Corporation we understand many small business owners and independent contractors want to purchase a home but don't have all the typical documentation lenders need for a typical mortgage loan inquiry. Our company has gone above and beyond to ensure that even if you don't have a W2 or a tax return you are still able to qualify for a home loan. Self-Employed Mortgages allow us to get you qualified for a home loan by using your bank account balances for the past 3 months. Self-Employed Mortgages are beneficial for borrower's true income is based and documented off of their bank statements. Return to work program, only one paycheck needed. 


  • 50% DTI (for LTV to 85%) & 43% DTI (for LTV to 90%)

  • Maximum loan amount of $8,500,000

  • 3 to 12-month PITIA (principal, interests, taxes, and association dues)

  • Up to 90% Loan-to-Value (LTV) with a minimum FICO score of at least 720

  • A minimum loan amount of at least $100,000

  • A minimum credit score of at least 580

*$8,500,000 maximum loan amount is for California properties only.

Need More Information?

Contact Amerifund Corporation to learn more about Self-Employed Mortgage Loans


We take pride in providing you with excellent service and appreciate the opportunity to assist you with all your real estate and mortgage needs.


NMLS# 399264
CalBRE# 01448128


Orange County Office 
(714) 500-5001

17155 Newhope St. Suite H
Fountain Valley, CA 92708