1. Portfolio Lending Programs
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Portfolio Lending Programs

2. Introducing the Portfolio Lending Suite
We’re pleased to introduce you to our suite of Portfolio Lending products. Each is designed to provide affordable solutions for borrowers who demonstrate ability to repay, but may not qualify for other loan programs for a variety of reasons.
Potential borrowers include:
Borrowers who require Jumbo financing with higher qualifying ratios
Borrowers who have recently gone through a negative credit event
Borrowers with lower FICO scores or non-traditional credit histories
Borrowers with several day late payments in their credit reports 
Investors with numerous financed properties

3. Premier Access
This product provides up to $3.0 million in funding and features higher ratios and lower FICO scores. Asset-based qualifying is available for retired prospects with income from their “nest egg” such as an IRA, 401(k), bond portfolio or severance package.
Features include:
Loan amounts from $100,000 to $3,000,000
LTV ratios up to 90% with no MI
With DTI’s of 55% with compensating factors
Minimum FICO of 650
Non-warrantable condos including Condotels
Interest-only option
Eligible income documentation can include restricted stock units and asset depletion
Derogatory event seasoning is 4 years
100% gift funds for down payment, closing costs and reserves

4. Homeowner’s Access
With higher ratios and competitive credit qualifying, Homeowner’s Access is a financing solution for borrowers who can demonstrate ability to repay, but may have a history of day late payments. First-time homebuyers and borrowers with recent unexpected credit events may also qualify.
Features include:
Loan amounts from $100,000 to $1,500,000
LTV ratios up to 90% with no MI
With DTI’s of 55% with compensating factors
Minimum FICO of 610
Non-warrantable condos including Condotels
Mortgage lates in the past 12 months allowed – one or more 30 days late with max of 1x60
Derogatory event seasoning is 2 years and multiple events are allowed

5. Fresh Start
This program is designed for prospective homebuyers who recently experienced a negative credit event due to job loss or a reduction in income. Fresh Start has no seasoning requirements for such credit events, enabling potential borrowers with demonstrated ability to repay to re-establish home ownership sooner.
Features include:
Loan amounts from $100,000 to $1,000,000
LTV ratios up to 85% with no MI
With DTI’s of 55% with compensating factors
Minimum FICO of 580
No housing history requirement
No seasoning requirement for derogatory events and multiple events are allowed

6. Investment
Funding for up to $2 million combined with minimum 620 FICO scoring can add up to create an innovative investment financing solution. This program also provides financing for an investor that may already have several financed properties.
  Features include:
Loan amounts from $100,000 to $2,000,000
No limitation on the number of financed properties
LTV ratios up to 85% with no MI
DTI to 43%
Minimum FICO of 620
Non-warrantable condos including Condotels
Derogatory event seasoning is 2 years

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