Apply Now
Secure Doc Upload
AmRes Corporation Logo


American Residential Lending has relationships with over 20 major investors. We pride ourselves in being able to offer any product that the market offers. Our loan programs include, but are not limited to:

Loan Programs:


  • 1xconstruction to perm
  • 203K Full and streamline with unlimited funds for home projects
  • FHA streamlines with NO FICO requirements
  • N/O/O FHA streamline refi’s
  • Credit scores down to 500 – including High Balance!
  • No debt ratio overlays
  • No AUS overlays
  • No HUD guideline overlays
  • BK7 with less than 2 years out (with documentable extenuating circumstances)
  • 1 day out from BK 13 with 12 month on-time payment history
  • Manufactured homes
  • Manual Underwrites
  • FHA Flip on 1-4 unit properties
  • FHA Back to Work and $100 down HUD REO’s
  • Growing list of State Bond and DPA programs (on-going)


  • No Overlays! Straight by FNMA/FHLMC guides
  • Manual UW!
  • Appraisal waivers per AUS
  • HARP loans with unlimited LTV/CLTV
  • 1xconstruction to perm as well as rehab loans – can also be used on investment properties
  • PMI Options including split, single, LPMI, and down to 620 FICO with no hit for high balance or rate and term refi’s
  • Investment Properties to 85 LTV
  • Up to 10 financed properties
  • Cash-out 1 day off MLS (max 70 LTV)
  • Appraisal transfers
  • 1 year tax returns (per FHLMC guides) and W2 only transcripts
  • Mortgage Recasting options (certain investors)
  • Escrow Repair hold backs (on exception basis)
  • 3% down and funds can be gifted
  • Manufactured homes
  • 85% cash out and TRUE no MI to 97% LTV


  • 1xconstruction to perm and renovation loans!
  • No VA overlays
  • VA Jumbo over $700K
  • VA IRRRL with no appraisal, no max LTV/CLTV, no overlays, mortgage ONLY credit
  • Cash-out to 100%
  • Down to 500 FICO including manual UW
  • All the same benefits as we have with FHA apply to VA as well


  • The earning potential is unbeatable with these products.  Over 11 point earning potential
  • Partnered up with the best investors in the industry so all the names you are used to will be available to you
  • Non-FHA reverse Jumbo available


  • USDA streamline Refi
  • Purchase of existing manufactured homes (as opposed to newly built)
  • No USDA overlays
  • 1xclose construction to perm

Non-QM/Portfolio (Full In-House Underwritten Product Line)

  • Asset Depletion; Ability To Repay; Bank Statements (Business and personal);  One-Month Bank statement; Non-Warrantable Condos; No-Doc Investor, Debt-Service Ratio Investors; Foreign National 2nd Home;  ITIN;  Condotels; Jumbo with 1 year income; Jumbo with 50% DTI; Jumbo to 580 FICO;  Jumbo 2nd homes; Tier 1 through Tier 3 recent credit event, and more…
  • Additional:  Investors: 100% gift funds; no reserves; no income/no assets for experienced investors; no limit on number of financed properties; close in LLC or corporation; approval based on property cash flow; foreign nationals; fix and flip; cross collateralization; up to 90% loan to value loan to value;  work Visa/EXPAT; delayed financing; 1-day out of foreclosure or BK7 to 95 LTV; no active trade lines with housing history; Foreign nationals with no ITIN or US credit required; Interest Only options;
  • Plenty of additional wholesale broker options for products that we don’t underwrite in house.

JUMBO (Multiple Investors)

  • Down to a 660 FICO
  • Up to 95 LTV with NO MI!!!
  • Up to $7M

2nd’s (HELOC’s and HELOAN’s)

  • HELOC’s up to 90% CLTV and can be used on purchases!!
  • HELOAN’s to 95% CLTV
  • HELOC broker options to 95% CLTV and stand alone
  • In-house HELOC’s to 90% CLTV and HELOAN’s to 95% CLTV
  • Broker HELOC’s to 90% CLTV
  • 3rd party HELOC’s to 100% CLTV (limited states) and 95% (all states)

Branch Manager Inquiry Form

American Residential Lending

1 Neshaminy Interplex Drive, Suite 310
Trevose, Pennsylvania 19053

Connect With Us