Portfolio Loans

Portfolio Loans are flexible programs for non-traditional loan scenarios. This includes borrowers with entity vesting – LLC’s, Trust, Partnerships & Sub S Corporations for the flexibility of structuring or protecting your assets. Portfolio lending uses expanded guidelines and is available to foreign nationals. Pledged assets can be used to qualify borrower with complex investment portfolios for up to 90% financing. Eligible assets include stocks, bonds, mutual funds, CD’s, Money Market, etc. Trading is allowed in pledged asset account. Jumbo ARM’s and Interest-Only options are available.

Lending Criteria Description
  • Purchase and Refinance
Property Type:
  • Single Family Residence (1-4)
  • Condominium
  • Townhomes
  • Planned Unit Developments
Max Loan-to-Value:
  • Purchase: 80%
  • Refinance: 80%
  • Cash-out: 75%
Borrower Type:
  • Individuals
  • Corporations
  • Foreign nationals
  • Non-Permanent Resident Aliens
Minimum Credit Scores:
  • 660 -680
Prepayment Penalty:
  • None
Maximum Debt-to-Income (DTI):
  • 43%-50%
  • Yes
Broker Fee:
  • 1-2 points (subject to loan)
  • 30 / 15-Year Fixed
  • 5 / 7-Year ARM’s
  • 5 / 7-Year ARM’s – Interest Only
Loan Amounts:
  • $300,000 – $5,000,000
Maximum Cash-Out:
  • $1,500,000
Closing Timeframes:
  • 45-60 days
  • 15 & 30-Years
  • 1st Trust Deeds
Other Costs:
  • All 3rd Party Fees
This information is NOT a loan approval or commitment to lend. The actual loan amount, interest rate, fees, costs and monthly payment on your specific loan transaction can vary and will depend on your choice of loan product and your unique credit profile. Loans (in CA) will be made pursuant to BRE License #02001852 & NMLS License #1463667. Loan Brook, Inc. is an equal housing lender.