Mortgages for the Self-Employed & Entrepreneurs
Because not every borrower fits traditional mortgage guidelines, we like to think of non-qualified mortgages as loans designed to fit your life. A Non-QM loan lets us look at your finances differently. Instead of just checking tax returns, we can look at your bank deposits or the income of your rental property.Self Employed Borrowers
We know that when you're self-employed, your tax returns don't always tell the whole story. Bank Statement Loans are a great option for local business owners and freelancers.
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No Tax Returns? No Problem. We want to see how your business is actually performing. |
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Your Real Cash Flow By looking at 12 to 24 months of your bank statements, we can get a true sense of your monthly income. |
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Personalized Help We’ll sit down with you to help calculate your income, so there are no surprises during the process. |
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Buy the Home You Want From cozy bungalows to luxury estates, our flexible limits help you get the keys you’re after. |
Real Estate Investors
Building a legacy through real estate is an amazing goal, but traditional debt-to-income rules can often slow you down. DSCR (Debt Service Coverage Ratio) Loans are built to help you grow. This option focuses on the property’s potential, not your personal paycheck.
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The House Does the Work If the rent covers the mortgage, you’re halfway there! Loans are qualified based on the property’s cash flow. |
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Build Your Portfolio Faster Since your personal income isn't the limiting factor, you can keep growing your investments without hitting a wall. |
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Invest Your Way You can close your loan in an LLC to keep your business and personal life separate. |
Contact an Ameris Bank Loan Officer today!
How the Non-QM Process Works
We’re neighbors, and we want this to be a stress-free experience for you. Here is what you can expect:
- Consultation & Program Fit: We start by discussing your income structure, property type, and long-term financial goals to identify the specific program that best aligns with your needs.
- Strategic Documentation: In place of traditional tax filings, we focus on the documents that truly demonstrate your financial strength. This may include 12 to 24 months of bank statements, lease agreements, or asset portfolios. This comprehensive review allows us to establish consistent income patterns and build a strong case for your approval.
- Collaborative Underwriting: Rather than relying on automated "pass/fail" systems, our team performs a thoughtful review of your file. It is common for us to reach out with clarifying questions regarding income trends or rental performance—this collaborative approach ensures total transparency and a smoother path to final approval.
- Closing & Funding: Once the underwriting review is complete, the final steps proceed with the same efficiency as with any other mortgage transaction. While the complexity of these files may require a more detailed eye, our focus remains on meeting your timeline and delivering a seamless closing experience.
The Non-QM process is an accountable, flexible solution for borrowers with sophisticated financial profiles. It isn’t about bypassing standards; it’s about using smarter standards to support your success.
Non-QM Mortgage
Explained
A simple guide for today’s borrowers.
Read MoreA simple guide for today’s borrowers.
Mortgage Option
Self-Employed Borrowers
Understanding bank statement and 1099 loan options.
Read MoreUnderstanding bank statement and 1099 loan options.
DSCR Loans
Explained
A mortgage option for real estate investors.
Read MoreA mortgage option for real estate investors.
FAQs
* All loans are subject to credit approval. Additional eligibility requirements may apply. Program requirements and availability subject to change.