Portfolio
Solutions
• Borrowers not required to satisfy charge offs or
collections older than 24 months
• Impaired credit
• No income verification option to 80% LTV
• 65% Total debt ratio
• Bankruptcy allowed after 1 day
• No sourcing of funds – No reserves requires
• No mortgage insurance premiums
• 1 Week closings!
• 6% Seller concession allowed
FHA Standard
• If you have been denied elsewhere –
Try us!
• Automatic transmission approvals allow for higher
ratios and low credit scores
• 3% Down with a 6% seller concession
• Second job counted in ratios regardless of time
employed
• Bankruptcy allowed – Discharged > 12
Mo.
Basic Products
• Electronic underwriting to FNMA and Freddie
Mac
• Competitive interest rates on all loan programs
• Same day Commitments
• 107% financing program (all one loan)
• Government loans
• Off credit loans
• 90% investment properties – Condo’s
Ok
• Bridge loans to 80% LTV
• No Documentation loans to 95% LTV
• Construction / Perm. Loans (one time close)
• Lot Loans to 80% LTV
• Loans from $50,000 to $5,000,000
• Piggyback loans to avoid mortgage insurance
• Start Rates as low as 3.95% (MTA & COFI)
• Cash out refinance to 95%
• Close loans in Family trusts and LLC’S
Sub-Prime
• 90% 1st Mortgage 10% seller held second on sub
prime borrower with 12 month clean credit history
• 85%1st MTG. 15% seller held second on borrowers
with isolated lates in last 12 months
• 80% 1st Mortgage 20% seller held second on borrower
with poor credit in last 12 months – 80% to C-Credit
grade
• Up to 6% seller concession
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