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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)

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ATR in Full

No Monthly Income Requirement

Minimum Credit Score of 600 – Owner Occupied or Investment Property

Two Months of Statements (Qualifying Account)

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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

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Foreign National Stated

Stated Income

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

No Income Verification

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Interest Only

90% LTV, No Mortgage Insurance

Qualify Off First Principal & Interest Payment

600 Minimum Credit Score (No Minimum on Exception)

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Jumbo

Up to $2,000,000 with 95% LTV & No Mortgage Insurance

Up to $3,000,000 with 75% – 90% LVT & No Mortgage Insurance

Debt-to-Income Ratios (DTI) to 45%

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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

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One Month Bank Statement

Self-Employed Borrowers

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

SFR / Condo / Townhouse, Owner-Occupied Only

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Private Money Loans

Qualify Outside Dodd-Frank

Business Purpose Owner-Occupied Loans

Fix & Flip Purchases, Non-Warrantable Condos & Condotels

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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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