Portfolio Fund Mortgages:  2% of mortgages are funded here

 

You barely missed qualifying for Agency or Jumbo, however

you know you're qualified 

but can't locate a Lender who 

understands your financial strength and also provides interest rates that acknowledge your strength  ..........

in 1-2-3 years you WILL qualify for an Agency or Jumbo

Income

48% max debt-to-income ratio

Flexible document requirements with multiple qualifying options

Credit History

Flexible requirements

680 FICO = minimum

760 FICO = best pricing

Loan Types

5-7-10 year Fixed/Arm Combos

30 year fixed

80% Loan-to-Value

Summary

Very good pricing on all programs

Exceptions to Guidelines allowed

 

GOAL: transition to Agency or Jumbo