Home loans for all kinds of income.
If traditional loan requirements don’t fit your financial situation and banks aren’t coming through —Rate Portfolio is for you.
Unlike other mortgages, Rate Portfolio is a suite of loans that focus on your full financial picture rather than rigid income guidelines — making qualification and approval easy.
Rate Portfolio loans can help if you:
Are self-employed — qualify with business cashflow or 1099s
Invest in real estate — use property cashflow to get approved
Have assets not income — combining assets can help you meet requirements
Plan to buy before you sell — make offers without selling your home first
How can I qualify?
There are all kinds of ways you could qualify if you don’t fall into more traditional income categories.
Rate Portfolio | Self-Employed 1
For self-employed, small business owners, independent contractors, freelancers, consultants and gig workers
Flexible documentation like business cashflow or 1099s instead of tax returns
Qualify with one year of income
Rate Portfolio | Assets 2
Assets qualify alone or to supplement other income
Crypto5, retirement, investment income, checking, savings, money market and inheritance are eligible
Combining multiple assets can help you meet requirements
For those with considerable assets but not showing employment income
Rate Portfolio | Investor 3
Qualify with cashflow, no tax returns required
Provides quick cash so investors can grow their portfolio
For short term rentals, condotels and more
Unlimited financed properties, can close with title to an LLC
Rate Portfolio | Buy Before You Sell 4
Make offers without having to sell your current home first
Flexible requirements get you approved fast
No need to qualify with two mortgages at once
How to apply
Apply online
in minutes
Work with our expert team
️to find the right loan for you
Secure your loan
and move forward with confidence
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.
1 Available for owner occupied, second home or investment properties. Property type restrictions apply. 1099 and 12 month bank statement income qualification is available. Additional restrictions apply.
2 No liquidation is required to determine eligibility. Purchase as well as Rate and Term refinances are allowed on primary residences, second homes, and investment properties. Multiple qualifying income options are available for eligible borrowers. Additional Restrictions apply.
3 Eligible borrowers must have a minimum DSCR of one. Property type restrictions apply. Eligible for fixed and adjustable rate mortgages. Interest only payment options are available. Gift funds may be used for down payment and closing costs after the borrower has documented the minimum required borrower contribution.
4 Departing residence obligations can be excluded when there is not an executed purchase contract. The borrower must either have a concurrent listing of their home or signed letter of intent to list the departing residence for sale within ninety days of closing on their new residence. Equity in the departure residence must be documented with a 2055 exterior or full appraisal subject to a minimum equity requirement. The marketing time indicated by the departure residence appraisal determines additional reserves required to utilize this feature. Applicant is subject to product eligibility and credit underwriting approval. This feature cannot be paired with bridge loans or cash equity advance programs. Restrictions apply.
5 Certain cryptocurrencies may be considered for mortgage qualification. Not all assets or borrowers are eligible. Approval depends on credit, income, property, loan terms, and reserve requirements.
Eligible assets must be held with approved custodians or exchanges and are subject to valuation and verification standards. Cryptocurrency values are volatile and may affect eligibility. Assets used for down payment or closing costs must be converted to U.S. dollars prior to funding. Program availability and terms may change. Restrictions apply.