Business Details
23 Years
experience
Trusted Mortgage Lending Solutions in New York, NY
Amerifund Alternative Loans, a division of Amerifund Home Mortgage, LLC, has been a trusted non-bank commercial and residential real estate lender since 2003. We specialize in providing tailored financing solutions for business professionals, investors, and entrepreneurs across the United States. Our expertise spans jumbo and super jumbo mortgage financing, business purpose loans, bridge loans, and term loans for diverse property types, including multi-family apartments, hotels, and mixed-use assets. As principal lenders, we offer loan amounts ranging from $500,000 to $50 million, leveraging our flexibility to serve creditworthy prime and non-prime borrowers.Our consultative approach combines disciplined underwriting with hands-on customer service, ensuring clients receive financing packages aligned with their unique financial situations. With a focus on alternative income sources and special circumstances, we deliver creative solutions while maintaining portfolio credit quality. Our team of experienced real estate professionals prioritizes transparency, integrity, and timely closings, establishing us as a reliable partner in real estate investment financing.
Services
Business Purpose Loans
Bridge Loans
Term Loans
Residential Mortgages
Commercial Mortgages
Jumbo Loans
Super Jumbo Loans
Mezzanine Financing
Investment Property Loans
Cash-Out Refinancing
Details
- Year established: 2003
Highlights and features
- We operate as principal lenders with direct capital access for faster decisions
- Our flexible underwriting accommodates non-prime borrowers and alternative income sources
- We offer loan amounts from $500,000 to $50 million for diverse property types
- Our experienced team provides personalized service throughout the loan lifecycle
- We maintain strict compliance with federal and state mortgage regulations
Associations and certifications
- National Mortgage Licensing System (NMLS)
Services
Business Purpose Loans
Our business purpose loans provide capital for real estate investments, equipment purchases, business expansion, and working capital needs. These non-owner-occupied loans require business entity documentation and demonstrate our ability to structure financing for commercial ventures while maintaining strict underwriting standards.
Bridge Loans
Bridge loans offer temporary financing solutions for urgent real estate transactions or refinancing high-interest debt. Our short-term financing options feature flexible terms up to 3 years with interest-only payments, designed for borrowers needing quick capital access during property transitions.
Jumbo Mortgages
Jumbo mortgage programs cater to borrowers seeking financing exceeding conventional loan limits. We offer fixed and adjustable-rate options for primary residences, second homes, and investment properties with loan amounts starting at $500,000 up to super jumbo thresholds.
Residential Mortgages
Residential mortgage solutions include first-lien financing for primary residences, second homes, and investment properties. Our programs accommodate alternative income documentation and special circumstances while maintaining compliance with federal mortgage regulations and underwriting standards.
Mezzanine Financing
Mezzanine financing provides subordinate capital for commercial real estate transactions. Our structured finance solutions combine debt and equity components for developers and investors seeking additional leverage beyond senior loan proceeds while maintaining portfolio diversification.
Questions
What loan programs does Amerifund Alternative Loans offer?
We provide business purpose loans, bridge financing, jumbo mortgages, mezzanine loans, and term loans for residential and commercial properties nationwide.
Can I qualify with non-traditional income sources?
Yes, our alternative underwriting process accommodates borrowers using bank statements, crypto income, or other non-W2/1099 documentation methods.
What are typical loan amount ranges?
We originate loans from $500,000 up to $50 million, with jumbo and super jumbo mortgage options available for high-value properties.
Do you work with credit-challenged borrowers?
Our flexible guidelines consider borrowers with past credit issues, though all transactions require appropriate collateral and repayment capacity analysis.
How quickly can loans close?
Depending on documentation completeness, our streamlined process typically closes transactions within 30-45 days for qualified applicants.
Are you a direct lender?
Yes, as principal lenders we make immediate funding decisions without third-party investor overlays or correspondent requirements.
