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  • LOAN PORTAL

PORTFOLIO LOANS


In many cases, these loans offer expanded guidelines. They are a great option due to the borrower or the property not meeting standard underwriting conditions as set forth by Federal, State and/or local housing authorities.

We custom build each portfolio loan to meet the individual needs of our customers depending on each individual's circumstance.


Asset Depletion


100% Liquid Assets

Minimum Credit Score of 500 – Owner Occupied or Investment Property

Two Months of Statements (Qualifying Account)

ATR in Full


No Monthly Income Requirement

Minimum Credit Score of 600 – Owner Occupied or Investment Property

Two Months of Statements (Qualifying Account)

Bank Statements for Income


Self-Employed and 1099 Borrowers Only

90% LTV – 2 Years from Foreclosure, Short Sale or Bankruptcy

Up To $5,000,000 Loan Amount


Foreign National Stated


Stated Income

Second Home & Non-Owner Occupied, 1 – 4 Unit Properties

No Income Verification

Interest Only


90% LTV, No Mortgage Insurance

Qualify Off First Principal & Interest Payment

600 Minimum Credit Score (No Minimum on Exception)

Non-Owner Business Purpose


No Income Requirements

Non-Owner Occupied Property, 1 – 4 Units; Business Purpose to Acquire, Improve or Maintain Property

Loan Amounts:  $100,000 – $5,000,000


One Month Bank Statement


Self-Employed Borrowers

Purchase – 75% LTV Max; Refinance – 70% LTV Max (Rate/Term & Cashout)

SFR / Condo / Townhouse, Owner-Occupied Only

Private Money Loans


Qualify Outside Dodd-Frank

Business Purpose Owner-Occupied Loans

Fix & Flip Purchases, Non-Warrantable Condos & Condotels

Verification of Employment


No W2, No 4506T, No Paystub, No Tax Return

650 Minimum Credit Score

Up To $5,000,000 Loan Amount

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About MCF Mortgage

 

We have built a strong reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in California, Florida, Illinois, Maryland, New Jersey, Pennsylvania, Texas, Virginia and Washington DC.

 

MCF Mortgage NMLS #1061701

www.nmlsconsumeraccess.org

Corporate Headquarters

 

3 Bethesda Metro Center, Suite 700, Bethesda, MD 20814

301-761-2278 | ray@raypcruz.com

About MCF Mortgage

 

We have built a strong reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in California, Florida, Illinois, Maryland, New Jersey, Pennsylvania, Texas, Virginia and Washington DC.

 

MCF Mortgage NMLS #1061701

www.nmlsconsumeraccess.org