Amres was built
by originators,
for originators.
We know that our success depends on the success of our Loan Officers, which is why we provide them with the best tools available so they can focus on what they do best: Originate and close loans.

Moves worth making.
We understand that everyone's situation is unique. Our onboarding team will tailor your transition to fit your needs. We will build your branch's platform around your business, easing your move and providing peace of mine, all without any lapse in production.
We also offer the ability for our staff to work 100% remote. We mean it when we say we'll build our partnership around your needs. Our P&L model is fully transparent and you'll have multiple platform options to customize from.
A solution for every
borrower.
Amres is licensed in 45 states. And while many companies claim it, we stand by our low rates that help you stay ahead of your competition.
We also do all agency lending in-house, with no overlays.
- FNMA
- FHLMC
- FHA
- VA
- USDA
But, not everyone fits the mold for agency products. That's why Amres has been building an ever-growing suite of Non-QM products that can fit the needs of almost anyone. Below are some of the options we offer. If you have any questions, feel free to contact us.

Full Doc
- Perfect when a borrower can't get AUS approval from Fannie or Freddie.
- Also works great when agency is not allowing 1 year income.
Bank Statement
- Great for self employed borrowers.
- Great for borrowers who have not yet filed tax returns and need to qualify using the most recent income.
P&L Only
- Great for borrowers who have not yet filed tax returns and need to qualify using the most recent income.
- Minimum Expense Factor is 20% for Service Business and 40% for Product Business.
Asset Depletion
- Great for unemployed borrowers with a liquid fortune.
- Works for borrowers who make more in investments and don't want to pull money out.
1099 Only
- This is great for an Independent contractor who does not have a CPA/EA preparing their tax returns.
- Great for Uber and Lyft drivers.
DSCR
- DSCR = Gross Monthly Rental Income / PITIA or ITIA
- No Employment or Income Required
- FICOS down to 620

The right tools for the job.
Amres invests heavily in technology built to streamline your loan process and ensure success for your borrowers. We're constantly innovating and updating to keep you ahead of your competition. Contact us for a full list and more detail.
Blend Retail Point of Sale
Our LOS is fully integrated with Blend for retail point of sale. Blend gives your borrowers an amazing, tech forward experience from start to finish. They'll be able to track every step of their loan, and you'll be able to co-pilot them through any tricky parts.
Day 1 Certainty
Day 1 Certainty gives you and your processors the ability to link directly to financial institutions to verify income and documentation, instantly.
Artificial Intelligence
In-house Marketing
Help
Amres has a team of dedicated marketing professionals who can help advise on a range of subjects. Get expert advice on everything from customer relationship management to social and digital advertising best practices. Contact us to learn more.

HubSpot CRM
Our CRM is a user friendly, robust, marketing and sales platform. It's provided free to all Loan Officers and Branch Managers. You'll have the ability to manage everything from your pipeline and associated contacts, to your social media accounts. We can also help get you trained on professional sales tools that offer you customizable automations to keep in touch with your customers.
Offline Experience Building
Our CRM is fully integrated with an offline experience manager that help you create real world incentives and gifts for your clients and partners. Easily send gift cards for things like coffee, or lunch to help increase meeting interest. Host webinars with live entertainment for attendees. Send closing gifts to customers, and so much more.
Marketing Automation
Our marketing team members are experts at creating robust and lead converting marketing automations. They can help you set up pre and post close campaigns that will convert more leads, and keep them for life.

Amres Resource Center
Get your business off the ground and in the cloud with our Cloud-Based Resource Center. Get access to company documents, information, and marketing materials.
- Get quick help from IT
- Access company contacts and documents.
- Utilize marketing elements.
- Find information fast.
FAQ
Interested in more detail?
What is your compensation?
Can I see your pricing?
Absolutely! Get in touch with us and we'll give you access to our pricing engine, Optimal Blue®
Where are you located?
Our headquarters are in Northeast Philadelphia, but our employees work nationwide.
Are you a Direct Agency Lender?
Where are you licensed?
We're currently licensed in 45 of the 50 states and working towards more everyday.
For a list of licenses, visit us here.
Do you employ independent LOs or Branches?
Do I have to be licensed and trained?
You must be licensed and have experience. We offer limited training on company software and procedures. LO’s are expected to perform with a working knowledge of the current industry guidelines.
Do you perform background checks?
Yes, all applicants will have background checks and references checked.