Contact American Prime Rate Talk to a licensed loan expert about your deal.
Share the property, the loan amount, and your timeline. A licensed loan expert will review it and give you a straight answer on what fits, whether that's DSCR, Non-QM, hard money, or a traditional home loan.
Get a straight answer on your deal
Takes about a minute. Fields marked * are required.
Start with how your deal works
DSCR Loans
Qualifies on the property's rental cash flow, not your personal income.
See DSCR requirements → NQNon-QM Loans
Qualifies with bank statements, a P&L, 1099s, or assets instead of tax returns.
See Non-QM options → HMHard Money Loans
Qualifies on equity, exit strategy, and timeline when speed matters.
See hard money terms →Buying or refinancing a home to live in? See purchase, refinance, HELOCs, or reverse mortgage options.
Irvine, California
2102 Business Center Dr., Irvine, CA 92612. Serving borrowers and real estate investors across California.
Before you reach out
Does submitting this form affect my credit?
No. The form asks for an estimated credit range only. Submitting it does not pull your credit. A credit check happens only later, if you choose to apply.
What information should I have ready?
The property type, estimated value or purchase price, the loan amount you need, how you plan to use the property, your estimated credit range, and your timeline. For investment deals, the expected rent or your exit plan also helps.
Who will contact me?
A licensed loan expert from American Prime Rate, not a call center. They'll review your scenario and tell you which loan fits, what it takes to qualify, and what documents you'll need.
Is there any obligation?
No. Reviewing your scenario is free and there is no obligation to apply.