OUR SERVICES

Non-QM Portfolio Loans

Mortgage solutions for the Non-Traditional borrower.

Portfolio One Loan Option

Works well for complicated income situations, self-employed, high net worth individuals, and unusual qualifying situations.  Can be helpful for those who do not meet traditional lending guidelines.
Highlights:
  • No loan limits – available to Super Jumbo loan amounts (multi-millions)
  • Minimum 20% down – 90% total financing options with second mortgage. Increased down payment requirements for higher loan amounts.
  • No credit score requirements – isolated credit incidents can be overlooked with compensating factors
  • Common sense underwriting for self-employed – less than 2 years possible
  • Asset based income calculation options -utilizing asset balances to determine a monthly income
  • Primary residence, second home & investment properties
  • Non-Warrantable Condo options
  • High Acreage properties options
  • Equestrian property options
  • Properties closing in an LLC or Trust
  • Foreign Nationals allowed

1099 Income Program

Great option for self employed less than 2 years and allows qualifying without using tax returns.
Highlights:
  • Uses 12-24 months 1099 income calculations
  • Loan amounts as high as $2,000,000.
  • Minimum down payments as low as 10% down
  • Credit scores as low as 620
  • Interest only options available
  • Primary homes, second homes and investment property options
  • Title in a Trust, LLC, Partnership/Corporation options
  • Non-Warrantable condos & mixed-use property options

Asset Qualifier Program

Great option for those with little or no traditional income, but substantial cash, or liquid investment account balances.
Highlights:
  • Asset based qualifying – no income documentation requirements, no debt ratio
  • Loan amounts as high a $2,000,000
  • Minimum down payments as low as 10% down
  • Credit scores as low as 620
  • Interest only options available
  • Primary homes, second homes, and investment property options
  • Title in a Trust, LLC, Partnership/Corporation options
  • Non-Warrantable condos & mixed-use property options

Bank Statement Program

Allows the use of bank statements to determine income. A great option for self-employed.
Highlights:
  • Analysis of bank deposits to calculate income – must own 25% or more of business
  • 1-2 years in business OK if same line of work previously for at least 2 years
  • Loan amounts as high a $2,000,000
  • Minimum down payments as low as 10% down
  • Credit scores as low as 620
  • Interest only options available
  • Primary homes, second homes and investment property options
  • Title in a Trust, LLC, Partnership/Corporation options
  • Non-Warrantable condos & mixed-use property options

Investor Cash Flow Program

Great for the purchase, or refinance of investment properties, and multi-unit properties.
Highlights:
  • No DTI requirements – Qualifying based on 100% fair market rent
  • Minimum 1 year rental property management required
  • Loan amounts as high a $2,000,000
  • Minimum down payments as low as 20% down
  • Credit scores as low as 620
  • Interest only options available
  • Title in a Trust, LLC, Partnership/Corporation options
  • Non-Warrantable condos & mixed-use property options
If you have a special scenario and you don’t see what you are looking for, please contact us to inquire about your situation.  We have access to a variety of loan options to suit most applicants needs and situations.

Curious if you qualify?

Call (240) 670-5090
Email us directly, or Pre-Qualify Here