Amerifund Home Loans

What Amerifund Home Loans does

Amerifund Home Loans Inc. is a privately held, California-incorporated mortgage originator headquartered in Simi Valley, CA. The company originates residential mortgage loans — including conventional, FHA, VA, jumbo, HELOC, USDA, non-QM, construction, land, bridge, private money, reverse, fixed-rate, and adjustable-rate products — for individual homebuyers and real estate investors. Beyond residential lending, Amerifund operates a commercial lending division providing construction loans, bridge loans, All-In-One facilities, Build-To-Rent financing, and a warehouse revolving asset pool (W.R.A.P.) with loan sizes ranging from $5MM to $40MM, serving real estate investors and developers nationally. A dedicated sub-brand, ReverseLoanSolutions.com, targets the 55+ reverse mortgage segment. The company is licensed through NMLS #347051 across 12 states (AZ, CA, CO, FL, GA, ID, LA, MT, OR, TN, TX, WA) and holds VA Lender ID 9087210000.

Amerifund's revenue model is transaction-fee based: the company earns origination fees and the spread on loans that are typically sold into the secondary market. Distribution is omnichannel, combining licensed loan originators across multiple states, a self-serve online application portal at amerifundloans.my1003app.com, online rate quote requests, and two formalized partner referral programs — a CPA Partner Program and a Realtor Partner Program — that drive bottom-of-funnel leads. Marketing is supported by an active presence across six social platforms, a website with educational content (mortgage glossary, calculator, FAQ), and "The Amerifund Way," an educational, relationship-driven service philosophy that the company promotes as its core differentiation.

The company's technology stack is light: a third-party loan application portal (my1003app.com), a website CMS, and basic web tools (calculator, glossary, quote form). There is no proprietary platform, no public API, no disclosed AI/ML capabilities, and no patents. Operational scale is modest, with 11–50 employees and a small named leadership team (Founder & CEO Brad Rice; Director of Commercial Lending Hoss Ghassemi, a former commercial banker). Customer concentration is diffuse, with reviews and testimonials drawn from individual first-time buyers and repeat homeowners rather than enterprise anchors. The company's competitive profile is defined less by technology than by regulatory licensing footprint, breadth of loan products, and partner-driven distribution.

Name

Amerifund Home Loans

Legal name

Amerifund Home Loans Inc.

Website

https://amerifund.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Amerifund Home Loans is a privately held, multi-state mortgage originator (NMLS #347051) offering residential and commercial loan products through licensed loan originators, partner referral programs, and an online application portal across 12 U.S. states.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industries

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA), Spec/Tract Builder Construction Financing (FSALAHAC), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Mortgage lending
• Home loan origination
• Residential mortgages
• Commercial real estate loans
• Refinance services

Headquarters

HQ city

Simi Valley

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination: Amerifund generates revenue by originating mortgage loans for home purchases and refinances. The company offers various loan products including conventional, FHA, VA, jumbo, USDA, construction, and commercial loans. Revenue is earned through origination fees and the spread between loan origination and sale to secondary markets.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Amerifund Home Loans originates residential mortgage loans for home purchases and refinances across 12 U.S. states, offering a broad product suite including conventional, FHA, VA, USDA, jumbo, HELOC, Non-QM, construction, bridge, land, and reverse mortgages. The company also operates a dedicated commercial lending division providing construction loans, bridge loans, All-In-One Loans, the W.R.A.P warehouse facility, and Build-To-Rent financing for real estate investors. Loans are delivered through licensed loan originators, an online application portal, and CPA/Realtor partner referral networks.

Product overview

Amerifund Home Loans offers a comprehensive mortgage lending platform with a diverse portfolio of residential and commercial loan products. The residential offering includes government-backed loans (FHA, VA, USDA), conventional mortgages, jumbo loans, specialty products (Non-QM, HELOC, reverse mortgages), and various loan purposes (purchase, refinance, construction, land, bridge financing). The commercial division provides construction loans, bridge loans, All-In-One Loans, the W.R.A.P warehouse facility, and Build-To-Rent financing. Supporting these core lending products are digital tools including a mortgage calculator, rate quote form, educational glossary, and an online loan application portal. The company operates through loan originators across multiple U.S. states and serves various borrower segments including first-time homebuyers, veterans, investors, and commercial developers.

Differentiator

Problem solved

Functional benefit

Brands

• ReverseLoanSolutions.com: A dedicated team and subdomain for reverse mortgage products, operated by Amerifund Home Loans for seniors 55+.

Products and services

• Conventional Loan

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• CPA Partner ProgramcoreChannel Partner/ Reseller/ DistributorAmerifund has established a formal CPA Partner Program for Certified Public Accountants to refer clients needing mortgage services. CPAs refer clients who need home financing as part of comprehensive financial planning services.
• Realtor Partner ProgramcoreChannel Partner/ Reseller/ DistributorAmerifund maintains a Realtor Partner Program for real estate agents to refer home buying clients for mortgage financing. This partnership ensures seamless transactions for Realtors' clients needing home loans.

Scale indicators1 record

Recent moves5 records

Expansion highlights6 records

Direct peers

• Fairway Independent Mortgage: Multi-state retail mortgage lender with a comparable product menu (conventional, government, jumbo) and a relationship-driven, branch-based distribution model targeting individual homebuyers and refinancers.
• HomeBridge Financial Services: Nonbank mortgage lender offering conventional, government, jumbo, and specialty products through retail and wholesale channels. Comparable product breadth and customer base targeting individual borrowers and partner referrals.
• Paramount Residential Mortgage Group (PRMG): Privately held retail and wholesale mortgage lender with multi-state licensing and a broad product suite. Comparable on private-company status, multi-channel distribution, and product breadth targeting both consumers and real estate professionals.
• loanDepot: Large retail mortgage lender offering purchase, refinance, HELOC, and reverse mortgage products via direct and partner channels. Comparable product portfolio and customer segmentation, though at meaningfully larger scale.
• Guild Mortgage: Retail-focused, multi-state residential mortgage lender of comparable scale offering a similarly broad product suite including government, jumbo, and renovation products. Closely comparable on customer segment (individual homebuyers), product breadth, and multi-state branch distribution model.
• American Pacific Mortgage: Regional retail mortgage lender with multi-state operations and a comparable originator-driven distribution model. Similar in size and structure to Amerifund, with overlapping product set focused on purchase and refinance.
• Cornerstone Home Lending: Multi-state retail mortgage lender with comparable product suite and a relationship-based, loan-officer-led distribution model. Similar in scale, customer mix, and product breadth.
• New American Funding: Mid-size retail and wholesale mortgage lender with comparable multi-state presence and a broad loan menu including government, conventional, and specialty products. Comparable on customer base, channel mix (retail + partner referrals), and product breadth.
• Caliber Home Loans: Nonbank mortgage lender offering a similar mix of purchase, refinance, and specialty products across multiple states. Comparable product positioning though at significantly larger scale and origination volume.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender with a full-spectrum product suite across conventional, government, jumbo, and specialty. Sets the competitive benchmark Amerifund faces on pricing, speed, and brand, though operating at vastly greater scale and with a digital-first model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Amerifundloans
• YouTubeyoutube.com/@amerifund
• Facebookfacebook.com/amerifundloans
• LinkedInlinkedin.com/company/amerifundloans
• Instagraminstagram.com/amerifundloans
• TikToktiktok.com/@amerifundloans

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amerifund Home Loans