Portfolio / Non-Standard Loan Products

We have suspended the Portfolio / Non-Standard Loan Products until further notice

Below is an example of our Portfolio / Non-Standard Loan Products

For loan qualification guidelines and complete underwriting information, contact Danny Smith: Danny@DannyLSmith.com / 512-773-6528

Click product titles for additional information. 

Self-Employed 

• Qualify with 12 months bank statements
• No tax returns
• 15, 30 year fixed | 5/1, 7/1, 10/1 ARMs
• Loan amounts up to $3MM
• Cash out up to $2.5MM
• Up to 90% LTV

Investor / Non-Owner Occupied

• Qualify with subject property cash flow
• No tax returns | No DTI
• 15, 30 year fi xed | 5/1, 7/1, 10/1 ARMs
• Loan amounts up to $2.5MM
• Cash out up to $2MM
• Up to 80% LTV

Asset Qualification (for borrowers w/ high cash liquidity and low income)  

• Jumbo alternative with I/O options
• Shorter waiting periods for derogatory
• credit events such as BK & Foreclosure
• 15, 30 year fi xed | 5/1, 7/1, 10/1 ARMs
• Loan amounts up to $3MM
• Cash out up to $2.5MM
• Up to 90% LTV

Agency Plus (for borrowers falling just outside agency guidelines)

• Jumbo alternative with I/O options
• Shorter waiting periods for derogatory
• recent credit events such as BK & Foreclosure
• 15, 30 year fi xed | 5/1, 7/1, 10/1 ARMs
• Loan amounts up to $3MM
• Cash out up to $2.5MM
• Up to 90% LTV

Click to download additional information

• Product Overview #IMC
• Product Matrix #IMC

*This page for general information only. Contact Danny Smith for details and qualification requirements.