Self-Employed Mortgages

No Tax Return? No W2? No Problem! 

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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.

Assets

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.

BENEFITS YOU'LL LOVE

  • 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 

Testimonials

We Have Helped Hundreds of Applicants Qualify for Home Loans

Self-Employed Mortgages

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. 

REQUIREMENTS TO APPLY

  • 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'RE HERE FOR YOU

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

LICENSE 

NMLS# 399264
CalBRE# 01448128

CONTACT INFO

Orange County Office 
(714) 500-5001
info@amerifundcorporations.com

17155 Newhope St. Suite H
Fountain Valley, CA 92708