Portfolio Select Program

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Portfolio Select Program

Portfolio Select Program

A full-doc product that offers borrowers all the flexibility, features, and benefits of non-QM programs.

  • Up to 85% LTV
  • Credit scores starting at 680
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy (two years from filing date for Chapter 13)
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and investment properties
  • Non-warrantable condos allowed
  • Up to 50% DTI
  • Loans up to $2.5 million
  • Gift funds allowed
  • 40 year fixed rate interest only available

Credit worthy borrowers who have recovered from credit events no longer have to wait seven years to purchase or refinance! Our full doc Portfolio Select Mortgage loan allow just one year seasoning for foreclosure, shot sale, deed-in-lieu and just two years seasoning for bankruptcy. Capture more business and help those borrowers shut out of Agency guidelines. This full doc loan solution helps more borrowers achieve their financial goals through a home purchase or refinance.

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