Portfolio Non-QM Loans

Our Specialized Mortgage Products

Investor Cash Flow Loan

A Mortgage For Real Estate Investors
Our Investor Cash Flow Loan Is Specifically For Real Estate Investors

Jumbo Home Loans

A Mortgage For Homes That Exceed Conforming Limits
Our Jumbo program consists of Gold Prime, Prime Jumbo and non-QM Platinum Jumbo. These loan options allow the flexibility to purchase the home of your dreams!

Portfolio Select Home Loan

A Mortgage For Borrowers Who Have Recovered From A Credit Event
Credit worthy borrowers who have recovered from credit events such as a foreclosure or bankruptcy no longer have to wait seven years to purchase or refinance.

Asset Qualifier Home Loan

A Mortgage That Qualifies Using Assets Instead Of Income
Borrowers can use their liquid assets to qualify for a mortgage. Qualifying assets include retirement, checking, savings accounts, stocks and other investments. Additional documentation may be required.

Foreign National Home Loan

A Loan For Foreign Nationals Living Outside The United States
Borrowers who live outside the U.S. can qualify for an investment property using the cash flow of the property for qualification. No U.S. credit or personal income required.

ITIN Home Loan

For Borrowers Without Social Security Cards
An Individual Tax Identification Number (ITIN) loan is for borrowers to qualify without Social Security cards.

Traditional Loans

Our Specialized Mortgage Products

FHA Home Loan

A Loan Offering Down Payment And Credit Flexibility
A Federal Housing Administration (FHA) loan is a government insured loan offering flexible credit and down payment options. Down payments as low as 3.5% for those who qualify. These loans are not approved or endorsed by HUD, USDA, the Department of Veterans Affairs or any government agency.

USDA Home Loan

A Loan For Borrowers In Qualified Rural Areas
Borrowers in designated eligible USDA areas can get a loan with flexible down payment options.

VA Home Loan

For Eligible Veterans, Reservists, Active Duty And Family Members
VA loans can help veterans achieve the dream of homeownership. This loan offers up to 100% financing for eligible veterans, active duty, reservists and their family members who are also eligible.
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Product FAQ

General FAQ

What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
Traditional loans will generally require tax returns, W-2s and paycheck stubs in order to verify a borrower’s income. A bank statement mortgage loan offers self-employed borrowers a different option to verify their income without using tax returns.
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
A bank statement loan is often a great option for qualified self-employed borrowers. However, self-employed borrowers should choose the best loan product to help meet their mortgage needs.
How Does A Bank Statement Mortgage Program Work?
A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.