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Can't Qualify for a Traditional Mortgage? We've Got Options

Get approved for a Non-QM home loan, even if you’re self-employed, a real estate investor, or have credit challenges.

Trusted Mortgage Solutions Since 1986

Ameritrust Mortgage has been a pillar of financial support for homebuyers in Rancho Cucamonga, CA, and beyond since 1986. We're committed to simplifying the complex world of home financing, offering a wide range of mortgage solutions tailored to your unique needs. Our team of seasoned professionals brings decades of experience to the table, ensuring you receive expert guidance throughout your home buying journey. We pride ourselves on our ability to provide swift, same-day estimates at no cost to you, allowing you to make informed decisions about your future home without any financial pressure.
At Ameritrust Mortgage, we understand that clear communication is key in the mortgage process. That's why we offer our services in both English and Spanish, with interpreters available for other languages if needed. We're dedicated to making the mortgage process as smooth and stress-free as possible, regardless of your linguistic background. Our NMLS #217229 certification underscores our commitment to maintaining the highest standards in the industry. Whether you're a first-time homebuyer or looking to refinance, our knowledgeable team is ready to assist you with fast, efficient service. Don't let language barriers or complex financial jargon stand between you and your dream home. Contact us today to experience the Ameritrust difference.

Why Ameritrust?

Flexible Mortgage Solutions for Real People With Real-World Finances

If you’ve been turned away by traditional lenders, you’re not alone.


We offer Non-QM loans that don’t rely on W-2s or perfect credit. Use bank statements, rental income, or assets to qualify.


Whether you’re self-employed, an investor, or recovering from credit challenges, we can help you move forward.

Flexible Income Documentation

No W-2s needed—qualify with bank statements, 1099s, or assets.

Credit-Friendly Options

Low score or past issues? You still have a path to approval.

Built for Investors

Use rental income—not your personal income—to qualify.

Custom Loan Terms

Tailored solutions like interest-only or higher DTI limits.

Ameritrust Mortgage: Your Home Loan Partner

We offer competitive rates, personalized mortgage solutions, and expert guidance to make your homeownership dreams a reality with tailored programs to fit your unique financial needs.

Why Choose Us

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Immediate Service

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Same-Day Free Estimates

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24 Hour Services

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Fast and Knowledgeable

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Founded in 1986

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English and Spanish Speaking

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Mortgage Companies

As one of the leading mortgage companies in Rancho Cucamonga, Ameritrust Mortgage stands out for our comprehensive approach to home financing. We offer a diverse range of mortgage products, including conventional loans, FHA loans, VA loans, and jumbo mortgages. Our team stays up-to-date with the latest market trends and regulations, ensuring you receive the most current and beneficial advice for your situation.
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Mortgage Loans

At Ameritrust Mortgage, we specialize in a variety of mortgage loans to suit different financial situations. Our offerings include traditional fixed-rate and adjustable-rate mortgages, as well as more specialized options like non-qualified mortgage lending and DSCR loans. We take pride in our ability to find creative solutions for complex financial scenarios, helping you secure the funding you need to make your homeownership dreams a reality.
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1099 Loans

If you're a self-employed individual or contractor, navigating the world of 1099 loans can be a bit overwhelming. These loans offer a fantastic opportunity for you to secure financing based on your revenue, not just your taxable income. With the right approach, 1099 loans can help you achieve your homeownership dreams without the traditional hurdles.

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Adjustable Rate Mortgages

Adjustable rate mortgages (ARMs) offer a flexible option for homebuyers seeking lower initial payments. As interest rates fluctuate, your mortgage rate can adjust, potentially leading to significant savings. It's a great choice for those who anticipate a change in their financial situation or plan to move within a few years.

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Asset Depletion Loan

Looking for a way to secure a mortgage without traditional income verification? An asset depletion loan might be the perfect solution for you. This innovative option allows you to leverage your investments, retirement accounts, and other assets to qualify, making homeownership more accessible. Let's explore your options together!

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Bank Statement Loans

Bank statement loans offer a flexible solution for those with non-traditional income sources. If you're self-employed or have fluctuating earnings, these loans allow you to qualify based on your bank statements rather than standard income verification. It's a straightforward way to secure financing without the usual hurdles.

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Bridge Loans

Bridge loans can be a great solution when you need to buy a new home before selling your current one. They provide quick access to funds, allowing you to secure that dream property without the stress of waiting. With flexible terms and streamlined processing, bridge loans can be your shortcut to a smoother transition.

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Conventional Mortgage Loans

Conventional mortgage loans are a popular choice for many homebuyers, offering competitive interest rates and flexible terms. These loans are not backed by the government, which means they often require a higher credit score and a stable income. However, they can be a great option for those looking to secure their dream home with manageable monthly payments!

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DSCR Loans

DSCR loans are an excellent option for real estate investors looking to secure funding for their properties. By focusing on cash flow rather than traditional income verification, these loans simplify the borrowing process. Whether you're expanding your portfolio or purchasing your first investment, DSCR loans can be a game-changer.

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Foreign National Loans

Navigating the world of foreign national loans can feel daunting, but it doesn’t have to be. Understanding the unique challenges foreign investors face, we offer tailored mortgage solutions that simplify the process. With expert guidance, securing your dream property in a new country is just a conversation away!

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Government-Backed Loans

Government-backed loans offer a reliable pathway for homebuyers, making the journey to homeownership more accessible. With favorable terms and lower down payment requirements, these loans can ease financial burdens. A trusted mortgage service can guide you through the process, helping you secure the best fit for your needs.

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Home Loans for Self-Employed

Securing a home loan as a self-employed individual can seem challenging, but it doesn't have to be! With the right guidance, you can navigate the requirements and unlock your dream of homeownership. Lenders often look for solid income documentation and stability in your financial history, so having clear records is essential.

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Interest Only for Non-QM Loans

Interest-only options for non-QM loans can provide flexibility for borrowers seeking lower initial payments. This approach allows homeowners to invest in their properties without the burden of high monthly costs right away. It's an appealing choice for those looking to manage their finances while enjoying the benefits of homeownership.

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Investment Property Loans

Investing in property can be an exciting journey, and securing the right loan is crucial to your success. With tailored financing options available, you can unlock the potential of investment properties, whether it's for rental income or flipping. Let’s explore how these loans can work for you!

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Investor Cash Flow Loans

Investor cash flow loans are a game-changer for those looking to capitalize on real estate opportunities. Designed to support investors, these loans focus on your property’s income potential rather than just traditional credit scores. This means more doors can open for funding, making your investment journey smoother and more accessible.

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ITIN Loans

If you’re looking to purchase a home but don’t have a Social Security number, ITIN loans can be a great solution. These loans allow individuals with an Individual Taxpayer Identification Number to secure financing, making homeownership more accessible. Let’s explore how ITIN loans can help turn your dreams into reality!

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Jumbo Non-QM Loans

If you're exploring jumbo non-QM loans, you're in for a treat! These loans offer flexibility for higher loan amounts without the stringent requirements of traditional financing. Perfect for unique financial situations, they open doors to more homeowners, letting you realize your dream of property ownership with ease.

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No Ratio Loans

At Ameritrust Mortgage, we understand that navigating the world of no ratio loans can be challenging. Our team is here to help you find the right mortgage solution tailored to your unique situation. Let’s work together to unlock your financial potential and make homeownership dreams a reality!

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P&L Loans

Are you looking to ease your financial burdens? P&L loans can be a smart solution, helping you manage cash flow while securing the funds you need for your mortgage needs. With competitive rates and flexible terms, these loans empower you to achieve your homeownership dreams without the stress.

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VA Home Loans

VA home loans are a fantastic option for veterans and active-duty service members, offering favorable terms like no down payment and competitive interest rates. These loans make homeownership accessible, allowing you to invest in your future while enjoying the benefits you’ve earned through your service. It's time to explore your options!

Legal Disclaimer

Ameritrust Mortgage Corporation, NMLS #217229, is located at 2201 Spinks Road, Suite 233, Flower Mound, TX 75022. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit nmlsconsumeraccess.org.

Client Feedback

The team at Ameritrust made the process easy and smooth. We were always kept updated and knew where we were in the process. Being a business owner, Ameritrust made our non-qm loan as easy as a traditional mortgage. Would highly recommend and will be using again when needed in the future.

Robin D.

I keep coming back to work with them over and over again. Simply put, they are the best lenders out there in my opinion. They do an excellent job every time. Keep up the great work!

Jorge S.

I’ve had the pleasure of working with Ameritrust Mortgage. They’re incredibly knowledgeable, responsive, and always willing to go the extra mile. Their team made the entire process smooth and efficient, from pre-approval to closing. I can’t recommend them enough!

Karen R.

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Here's what our satisfied customers are saying...

At Ameritrust Mortgage, we take pride in providing exceptional mortgage services to our customers. We would be grateful if you could share your thoughts about our business with others. Your feedback helps us improve and helps others make informed decisions. Please take a moment to leave a review of Ameritrust Mortgage and let others know what you think.