Updated ARM Content With Asset Depletion Section Added

Secure Your Financial Future With Adjustable Rate Mortgages

At Ameritrust Mortgage we understand that navigating the world of home loans can be complex. That's why we're here to guide you through the process of obtaining an Adjustable Rate Mortgage (ARM). Our team provides personalized solutions that align with your financial goals, supported by:

• Non‑Qualified Mortgage Lending
• DSCR Loans
• Same‑day free estimates
• Bilingual services (English and Spanish)
• Interpreter services when needed
• Fast and efficient processing

With more than three decades of experience since our founding in 1986, Ameritrust Mortgage has the expertise to help you make informed decisions about your mortgage options. Reach out to explore how an ARM could benefit you.

What Is Asset Depletion?

Asset depletion is a Non‑QM financing method that allows borrowers to use their liquid assets as an income proxy. Instead of relying on traditional employment income, eligible assets are amortized over a set term to calculate qualifying income. This option still requires an Ability‑to‑Repay (ATR) assessment, including a review of credit, assets, housing payments, and existing debts.

Who This May Benefit

Asset depletion loans are especially helpful for:

• Retirees with significant savings
• High‑net‑worth borrowers
• Business owners with substantial liquid assets
• Borrowers who prefer to qualify using assets rather than income

Eligible Assets & Reserves

Depending on the program, qualifying assets may include:

• Bank accounts
• Brokerage accounts
• Retirement accounts (program‑specific rules apply)
• Other verifiable liquid assets

Signs You May Qualify for an Adjustable Rate Mortgage

An ARM may be a strong fit if you:

• Plan to sell or refinance within a few years
• Expect your income to increase over time
• Are comfortable with potential rate adjustments
• Want lower initial monthly payments
• Hope to benefit from falling interest rates

If these situations apply to you, an ARM could be a strategic option. Our team can help you evaluate your circumstances and choose the right path.

Why Consider an Adjustable Rate Mortgage?

Adjustable Rate Mortgages offer several advantages:

• Lower initial interest rates than fixed‑rate loans
• Potential for reduced payments if rates decline
• Flexibility for homeowners planning to move or refinance
• Opportunity to qualify for a larger loan amount
• Strong fit for borrowers with rising income trajectories

Ameritrust Mortgage will help you weigh these benefits against your long‑term financial goals to determine whether an ARM is the right solution.

Related Options

Depending on your financial profile, you may also want to explore:

• Bank Statement Loans
• Jumbo Non‑QM Loans
• P&L‑Based Loans
• Other self‑employed mortgage programs

Contact Us

Ready to explore how an Adjustable Rate Mortgage or asset‑based qualification can work for you? Our mortgage professionals are here to provide clear guidance and personalized support. Whether you're purchasing, refinancing, or evaluating your options, Ameritrust Mortgage is committed to helping you make confident, informed decisions. Call us today.