Unlock Your Homeownership Dreams with Flexible Mortgage Solutions
“Discover customized mortgage options designed for self-employed professionals, real estate investors, and those with unique financial situations. With flexible underwriting and alternative income verification, we make homeownership possible—no tax returns required.”
Low Rate. Zero Hassles.
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Who we are
Flexible, adaptable, and adjustable plans to fit your needs.
Tailored Non-Qualified Mortgage Loan solutions designed to match your unique financial situation and goals
2010
Low rates and affordable monthly payments.
Enjoy low rates and affordable monthly payments with our Non-Qualified Mortgage Loan solutions.
Secure your dream home with our Non-Qualified Mortgage Loan options, designed for self-employed professionals, investors, and those with unique income situations.
Refinance your home with a Non-Qualified Mortgage Loan and access better terms, lower payments, or cash out your equity—no traditional income verification required.
Get the financing you need with our Non-Qualified Mortgage Loans—designed for borrowers who don’t fit traditional lending criteria.
OUR VALUE
Alone we can do so little, together we can do so much.
Partner with us to unlock greater financial opportunities—because the right mortgage solutions are built through collaboration.
At American 1st Partner, our mission is to provide innovative and flexible Non-Qualified Mortgage Loan solutions that empower self-employed individuals, real estate investors, and those with unique financial situations to achieve homeownership and financial freedom. We are committed to delivering personalized service, fast approvals, and tailored financing options that traditional lenders won’t offer.
To be the leading provider of Non-Qualified Mortgage Loans, recognized for making homeownership accessible to non-traditional borrowers. We aim to redefine mortgage lending by offering customized solutions that support financial growth and long-term stability for our clients
Flexible financing, limitless possibilities.
SERVICES
Flexible, adaptable, and adjustable plans to fit your needs.
Tailored Non-Qualified Mortgage Loan solutions designed to match your unique financial situation and goals
14K+
2010
WHAT WE OFFER ; KEY FOCUS AREAS
No Hidden Terms—Just Clear, Flexible Mortgage Solutions.
Designed for entrepreneurs and freelancers, our Non-Qualified Mortgage Loans offer flexible financing options without the need for traditional income documentation
- Offers Debt Service Coverage Ratio (DSCR) loans, where loan qualification is based on rental income rather than personal income
- No personal income verification required—focuses on property cash flow.
- Allows multiple investment properties and short-term rental financing (Airbnb, VRBO, etc.).
Leverage rental income to qualify for a mortgage with our DSCR Loans—no personal income verification required.
- Offers Debt Service Coverage Ratio (DSCR) loans, where loan qualification is based on rental income rather than personal income
- No personal income verification required—focuses on property cash flow.
- Allows multiple investment properties and short-term rental financing (Airbnb, VRBO, etc.).
Flexible mortgage solutions designed for those with unique income sources, credit challenges, or alternative financial profiles.
- ITIN loans for foreign nationals and non-citizens.
- Asset depletion loans for high-net-worth individuals.
- Interest-only and alternative income documentation loans.
HOW IT WORKS
Easy, Hassle-Free Mortgage Solutions—Get Started Today
Our streamlined mortgage process makes home financing easy—no tax returns required, flexible income verification, and faster approvals to help you secure your home hassle-free
Discuss your financial situation and mortgage needs with our experts
Provide alternative income documents like bank statements, 1099 forms, or asset statements.
We assess your financial profile with flexible underwriting.
Secure your loan quickly and move forward with your homeownership or investment goals.
WHY CHOOSE US
A Trusted Mortgage Partner for Unique Borrowers
At American 1st Partner, we specialize in Non-Qualified Mortgage (Non-QM) loans tailored for self-employed individuals, real estate investors, and borrowers with unique financial situations. With flexible underwriting, alternative income verification, and a commitment to fast approvals, we help you secure the financing you need—without the roadblocks of traditional lenders
Flexible underwriting with custom loan solutions tailored to each borrower’s financial profile.
Expanded guidelines compared to conventional loans, allowing approvals for borrowers with complex income streams.
Higher loan amounts and alternative down payment options, including non-traditional assets.
Our team is available around the clock to assist you with your mortgage needs, ensuring a smooth and stress-free experience every step of the way
No prepayment penalties. You can pay early without a charge.
Enjoy the flexibility of paying off your mortgage early without extra fees. With no prepayment penalties, you have full control over your financial future
From application to closing, we guide you through the mortgage process with expert support, ensuring a smooth and stress-free experience every step of the way
Get personalized assistance from start to finish with a dedicated loan concierge, ensuring a seamless and stress-free mortgage experience.
Enjoy competitive interest rates and minimal fees, giving you an affordable mortgage solution tailored to your needs.
Talk with a Lending Specialist.
Speak with our experienced lending specialists to explore the best mortgage options for your unique financial situation
TESTIMONIAL
Clients Feedback
See what our clients say about how our Non-Qualified Mortgage Loans helped them secure financing when traditional lenders couldn’t.
