Portfolio Mortgage Program Highlights 2025
Portfolio mortgage programs provide expanded flexibility. This one is for borrowers who require solutions outside traditional agency parameters.
With options ranging from FHLMC Super-Conforming and FHA 60-day flips to non-conforming jumbo financing up to $15 million, borrowers gain access to a broad set of underwriting paths tailored for complex scenarios.
Additional features—such as transferred appraisals, unpermitted space eligibility, and repair escrows up to $150,000 for buyers and investors.
This loan program also supports alternative qualification methods, including delayed financing, stated income options, asset depletion, and pledged assets.
Borrowers with multiple financed properties benefit from expanded allowances up to ten properties with strong credit to meet their diverse residential financing needs.* FHLMC Super-Conforming.
Guidelines and Highlights
* FNMA unpermitted space ok if documented per guidelines
* Transferred appraisals ok on most programs-
* 5-10 Financed Properties w/ 700 FICO
* FHA Flips Less than 60 Days
* EEM (Energy Efficient Mortgages)
* Non-Conforming (Jumbo and Super Jumbo) to $15,000,000
* HUD $ 100 Down
* Repair Escrow to $150,000 on HUD REO
* Delay financing & stated income
* Asset depletion / Pledge assets
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Missouri, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin.