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Menu
 * Home
 * Programs
   * AHL Quick Quote
   * All Programs
     * AHL Platinum
     * AHL Core
     * AHL DSCO
   * Doc Types
     * Bank Statements
     * Full Documentation
     * Bank Statements + Asset Assist
     * Asset Only
 * About Us
   * About Us
   * Licenced States
   * Careers
 * Non-QM Blog

BROKER APPROVAL
SUBMIT A SCENARIO


PARTNER WITH A LEADER
IN NON-QM


AHL FUNDING IS A WHOLESALE MORTGAGE LENDER THAT SPECIALIZES IN NON-QM LOAN
PROGRAMS FOR BROKERS.

BROKER APPROVAL
SUBMIT A SCENARIO



SAY HELLO TO BETTER
NON-QM LENDING


PROGRAMS FOR BROKERS SERVING BORROWERS THAT DO NOT QUALIFY FOR CONVENTIONAL
LOANS.


 * Bank Statement Loans, No 4506 Needed
 * No Income, Non Owner Loans
 * Jumbo Loan Amounts to $4M
 * Common Sense Underwriting
 * Closing Loans in as Quick as 10 Days


OUR PROGRAMS


AHL PLATINUM

Designed for borrowers that have LTV’s 90% or lower. Near miss program that
allows for lower rates with compensating factors. Though guidelines follow
Fannie Mae a bit more than our usual core program, it’s still much more
aggressive than conforming and interest rates are some of the lowest in the
Non-QM industry.

 * Loan Amounts to $4 Million
 * 90% LTV to $2 Million
 * Cash Out For Reserves
 * FTHB OK
 * 12 or 24 Month Bank Statements
 * 50% DTI Allowed
 * Up to $500k Cashout
 * DTI to 50%
 * FTHB Okay
 * 
 * DOC TYPES
 * 
 * Bank Statements
 * Full Documentation
 * Bank Statements Plus Asset Assist
 * Asset Only

AHL Quick Quote


AHL CORE

Designed for owner occupied and second home borrowers who require flexibility in
mortgage history, credit history, and/or payment and docs. This program offers
expanded credit parameters for multiple borrower profiles while utilizing many
cascading document types to further address specific income circumstances in the
demonstration of ability to repay.

 * Loan Amounts to $4 Million
 * Cash Out to $1 Million
 * 3 Months Reserves
 * 1X30 Allowed
 * 12 or 24 Month Bank Statements
 * Asset Only
 * 2-4 Units
 * 2 Years Out of BK
 * 55% DTI Allowed
 * Rural Properties OK
 * 
 * DOC TYPES
 * 
 * Bank Statements
 * Full Documentation
 * Bank Statements Plus Asset Assist
 * Asset Only

AHL Quick Quote


AHL DSCO

Program Designed to Move Quick! Non-Owner Investment Purpose Loans Closed In
Days. We utilize the rental survey on the appraisal for rents. Reserves as low
as 3 Months plus, you can use cash-out for reserves. We also qualify the
borrowers mortgage payment off an interest only payment if requested.

 * Loan Amounts to $3 Million
 * Up To 80% LTV
 * Cash Out For Reserves
 * No-Income, Non-Owner
 * DSCR Ratio To .75
 * First Time Investor Allowed
 * Reserves as low as 3 Months
 * Close In 10 Days!
 * Utilizes Rental Survey/Appraisal On Rental Income
 * A must for any investor looking to purchase or refinance a rental property.

AHL Quick Quote


DOCUMENT TYPES


BANK STATEMENTS

With The AHL Funding Bank Statement Programs You Can Utilize Both Business And
Personal Bank Statements To Qualify. Up To 90% LTV!

This program allows an expense ratio as low as 20%! This means you can use 80%
of the deposits for income purposes. Depending on the type of business this may
vary. We utilize a variable expense ratio. Why should a consultant have the same
expenses as a restaurant? Make Sense Underwriting.


FULL DOCUMENTATION

Fannie Mae Ineligible – With The AHL Funding Full Doc Programs You Can Get Loans
Done That May Have Been Ineligible

Full Doc loans up to 90% LTV with NO MI. Sometimes loans just don’t fit with
regular agency outlets due to high loan amounts or debt to income ratios. We
allow up to 55% DTI as well as Interest Only Programs and Loan Amounts to $3
Million Dollars.


BANK STATEMENTS + ASSET ASSIST

Bank Statements Plus Allows Bank Statements And Assets To Qualify

When your borrower is close on DTI but just can’t get there with bank statements
we allow a 2 month asset Statement to give us that push. Use money in the bank,
Stocks, Bonds, 401k and more.


ASSET ONLY

The Asset Only Program Allows You To Use Only Assets To Qualify. No Other Proof
Of Income Needed

Do you have a borrower with money in the bank? We can help. We use 6 months of
assets for income such as: Cash in bank (100%) – Stocks, Bonds or Mutual Funds
(80%) – IRA, 401k, Retirement Accounts (80%). Cash is king and so Is this
program!


ABOUT US


WELCOME TO AHL FUNDING

AHL Funding’s loan programs are designed to appeal to a broad range of
homebuyers. The programs are affordable, and each program is designed to serve
an important demographic. With over 25 years of experience in Non Prime Loans we
are now here to disrupt the industry with faster turn times and better products.

We understand the needs of your borrowers, whether you have an established
investor looking for financing with NO INCOME or bank statement programs for the
self employed borrowers, we can help obtain the perfect loan.


LICENSED IN 20 STATES


 * Arizona
 * California
 * Colorado
 * Florida
 * Hawaii
 * Idaho
 * Illinois
 * Indiana
 * Louisiana
 * Mississippi
 * Missouri
 * Montana
 * Nebraska
 * North Carolina
 * Ohio
 * Oregon
 * Pennsylvania
 * South Carolina
 * Tennessee
 * Texas
 * Washington


NON-QM BLOG

October 21, 2024
October 14, 2024
October 9, 2024

Our goal is to shape and build the next generation of mortgage lending with
exceptional customer service, integrity, strength and experience.


CONTACT

 * 400 Spectrum Center Dr.
   14th floor
   Irvine, CA 92618
 * (949)330-0988
 * info@ahlfunding.com




TAKE ACTION

 * AHL Quick Quote
 * Careers
 * Submit a Scenario
 * Broker Approval

 * AHL Quick Quote
 * Careers
 * Submit a Scenario
 * Broker Approval


PROGRAMS

 * AHL Platinum
 * AHL Core
 * AHL DSCO

 * AHL Platinum
 * AHL Core
 * AHL DSCO


NAVIGATION

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 * Blog
 * About
 * Licenced States
 * Doc Types

 * Home
 * Blog
 * About
 * Licenced States
 * Doc Types

© 2024 AHL Funding | Privacy Policy | Company NMLS: 1370963



AHL Funding DBA American Home Loans All rights reserved. 
www.nmlsconsumeraccess.org. Rates, fees and programs are subject to change
without notice. Other restrictions may apply. AHL Funding DBA American Home
Loans is a Wholesale Lender.  We work with mortgage brokers to originate loans.