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AmWest Funding

  • Modified Date: 07/03/2025 || Published Date:
Lender Description: Our dynamic leadership team with an average of 20 years of expertise at its helm. Committed to delivering responsible home financing solutions across the communities we serve, we strive to create an outstanding experience for you and your clients. Partner with us to help your clients realize their dream of owning a home or seize today’s real estate investment possibilities.

P&L Only | 1 Year 1099 | WVOE

Loan Program A Description: This flexible income documentation program offers multiple paths to qualification—whether through P&L Only, 1-Year 1099, or Written Verification of Employment (WVOE). With loan amounts up to $3,000,000, up to 85% LTV, and a minimum credit score of 640, it’s ideal for borrowers purchasing or refinancing investment properties, including up to 4-unit residences. Designed to accommodate non-traditional income earners, this program simplifies the approval process without sacrificing loan size or property type.

DSCR

Loan Program B Description: For investors targeting the short-term rental market, our Investor Advantage 7/6 ARM with a 5-Year Prepay offers tailored flexibility. Whether you prefer a standard amortizing structure or an interest-only (I/O) option, this program is designed to align with your cash flow goals.

No Ratio

Loan C Description: Designed for flexibility, this No Ratio loan program offers interest-only payments and requires no income documentation, making it ideal for borrowers with complex financial profiles. With loan amounts up to $2,500,000, 70% LTV, and cash-out options available up to $1,500,000, this solution is perfect for those looking to unlock equity or expand their real estate portfolio without the hurdles of traditional underwriting.

12 & 24 Months Bank Statements

Loan Program D Description: For self-employed borrowers seeking non-traditional documentation options, our bank statement mortgage loans offer flexible solutions. Alternative documentation for self-employed individuals: No need for 4506-C forms or tax returns, maximum Debt-to-Income (DTI) ratio of 50%. Qualification based on personal or business bank statements. Gift funds permitted for primary residences and second homes. Non-QM waiting periods apply for adverse credit events. PITIA reserves required solely for the subject property.
Lender Verification of Employment:

1year 1099 Only Reduced Doc – 1 year Full Doc. Most recent 1099 statement(s) is required, along with a Written Verification of Employment, YTD bank statements or Payment Statements from current contract employer covering the Year-to-Date earnings to determine the stability and continuance of the borrower’s income (to be dated within 30 days of the Note date). If the Year-to-Date earning is validated to be lower than the qualifying income, the lower income will be considered as part of income analysis.

* P&L Statement and Tax Returns not required
* 1099 Tax Transcript(s) Form 456 required.
* Foreign National Borrowers are not eligible for the 1099 income option.

Requirements: SE Verification of the existence of the borrower’s business from a third party, such as a CPA, CTEC, EA, regulatory agency or the application licensing bureau (PTIN is allowed only for licensed businesses).

• Verify the listing and address for the borrower’s business using the internet/directory assistance or business profile websites, etc.

Self-Employed Mortgage Lending

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Non-QM Mortgage Lending

Non-QM Mortgage Lending

Non-QM Mortgage Loans