Portfolio Loans

Are you looking for a loan but suffer from less than perfect credit? A Portfolio Loan may be what you need.

Portfolio Select/Alt-A

• Up To 90% LTV With No MI
• 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
• Loans Up To $3 million (Minimum Loan $75,000)
• Credit Scores Down to 620
• Gift Funds Allowed
• Owner-Occupied, 2nd Homes, Investment Properties
• SFRs, Townhomes, Condos, 2-4 Units
• Non-Warrantable Condos Considered

Bank Statement (Personal or Business)

• No Tax Returns/Transcripts Required
• 12 Months Personal Bank Statements Now Available
• 24 Months Bank Statements (Personal Or Business)
• Loans Up To $3 million (Min Loan Amount $150,000)
• Credit Scores Down To 620
• Personal Business 90% LTV (No MI)
• Owner-Occupied, 2nd Homes, Investment Properties
• 2 Years Seasoning Foreclosure, Short Sale, BK, OIL
• Non-Warrantable Condos Considered
• Gift Funds Allowed
• SFRs, Townhomes, Condos, 1 Unit

Non-Prime/Recent Housing Event

• 1 Day Out Of Foreclosure, Short Sale, BK, DIL
• Loans Up To $1 Million
• Credit Scores Down To 500 (Including Jumbo Loans)
• Up To 85% LTV With No Ml
• Mortgage Lates Are OK
• 100% Gift Funds Allowed
• Owner-Occupied, 2nd Homes, Investment Properties
• SFRs, Townhomes, Condos, 2-4 Units
• Non-Warrantable Condos Considered

Investor Cash Flow

• No Personal income Used To Qualify
• Qualification Based On Property Cash Flow
• 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
• Credit Scores Down To 660
• Up To 75% LTV (Up To 80% NOO On Other Programs)
• Must Have Housing History And Own A Primary Home
• SFRs, Town Homes, Condos, 2-4 Units
• No Limit On Number Of Properties Financed (5 With AOMS)
• Loans Up To $1 Million (Minimum $75,000)

Foreign National

• Up To 75% LTV (Purchase Or Refinance)
• No US Credit Required
• 12 Months Reserves Required
• No SSN Or ITIN Required
• SFRs, Townhomes, Condos, 2-4 Units
• Non-Warrantable Condos Considered
• Loans Up To $750,000 (Higher Amounts Case By Case)