Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

Portfolio Mortgage Loan Programs

Portfolio Mortgage Lenders

A portfolio mortgage lender can be completely different than any other lender. All loan approvals are underwritten in-house seldomly require investor signature. A portfolio lender will identify a market niche and in-turn develop a portfolio of Qualified or Non-Qualified loan products specific and unique to the under-served market demographic with either a Qualified Mortgage (QM) loan program or a Non-Qualified Mortgage (Non-QM) loan program.

Customized Financing Solutions and Service

Manual underwriting allows the lender to look at each borrower as an individual, into a reasonable mortgage. Because these lenders will service the loan often for the life of the loan, they make their own rules and in the world of mortgage lending, that means their own underwriter guidelines. Fast closings 7-10 days

QM, Non-QM, and Non-Prime Lenders

Underwriting Guideline exceptions and requirements are based on credit scores, Debt to Income ratio, equity position/loan to value ratio, occupancy, property type, and various variables and loan characteristics such as “credit event” seasoning.

"Benefit to Borrow" (tangible benefits):

Self-Employed Income Documentation Programs

Self-Employed Verification of Employment (VOE) Options

Lite Doc and Reduced Doc Programs

1 Year Tax Return – 1 Year
Reduced Doc for W-2 for Wage Earning borrowers

Jumbo and Super Jumbo Loan Amounts

Underwriting Feature Guidelines

Asset Depletion and Debt-to-Income (DTI) Flexibility​

Eligible Property Types

Eligible Borrowers

Available Terms

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Mississippi, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending

One Month Bank Statement Loan

3 Month Bank Statement Loans

Non-QM Mortgage Lending

Cash Out Refinance Loans

Second Mortgage Loans

Construction Loans

Bank Statement Loan Niches

Bank Statement Refinance Loans