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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
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