Programy pożyczek portfelowych

Indywidualne rozwiązania hipoteczne dla Twoich unikalnych potrzeb

At Oak Leaf Community Mortgage, we recognize that every borrower’s situation is unique. That’s why we offer Portfolio Loans – specialized mortgage solutions that fall outside the conventional loan criteria. Whether you have non-traditional income sources, are self-employed, or face unique financial circumstances, our Portfolio Loan options are designed to provide the flexibility and understanding you need.

  • Pożyczkobiorcy bez numeru SSN (ITIN)

    Pożyczki hipoteczne ITIN dla pożyczkobiorców nieposiadających numeru ubezpieczenia społecznego zapewniają każdemu możliwość posiadania domu.

  • Kup teraz, sprzedaj później

    Przejście z opcji warunkowej na bezwarunkową dzięki opcji "Kup teraz, sprzedaj później".

  • Buduj teraz, sprzedaj później

    Nabywcy domów mogą zbudować swój wymarzony dom bez presji związanej ze sprzedażą obecnej nieruchomości.

  • Odnów teraz, sprzedaj później

    Program ten pomaga w zakupie nowego domu, który wymaga remontu, bez presji związanej ze sprzedażą obecnego domu.

  • Destination Dream Loan

    Odkryj wolność posiadania domu wakacyjnego z Oak Leaf Community Mortgage

  • Pożyczka na rehabilitację z wysoką zaliczką

    Pożyczki High Advance Rehab Loans przekształcają wizję nieruchomości w rzeczywistość.

  • Pożyczki dla inwestorów

    Pożyczki dla inwestorów na remont napędzają inwestycje w nieruchomości.

  • Nowe kredyty budowlane

    Nowe kredyty budowlane pomagają budować przyszłość.

  • Pożyczki z drugim zastawem

    Drugie pożyczki pod zastaw oferują rozszerzone opcje finansowe.

Getting Started

Begin Your Journey with a Portfolio Loan

Evaluate Your Needs:

Consider what you need in a mortgage and why traditional options may not work for you.

Gather Documentation:

To begin your portfolio loan journey with Oak Leaf Community Mortgage, evaluate your mortgage needs and gather essential documents including tax returns, bank statements, proof of income, asset details, a credit report, a government-issued ID, and any other relevant financial information.

Application Process:

Reach out to our team to begin the application process.

Benefits of Our Portfolio Loan Programs

Customized
Lending

Loans are tailored to fit your specific financial situation.

Creative
Solutions

We think outside the box to find ways to make your loan work.

Personalized
Service

Direct communication with our lending team to understand and meet your needs.

Quick Decision – Making

Decisions are made in-house, leading to quicker turnaround times.

Tailored Lending for Diverse Circumstances

Portfolio Loans are held and managed by Oak Leaf Community Mortgage, allowing us more flexibility in our lending criteria compared to traditional loans sold to secondary markets. This means we can offer:

Flexible Credit Requirements: Ideal for borrowers with unique credit histories.

Alternative Income Consideration: Perfect for self-employed individuals or those with non-traditional income.

Unique Property Types: Whether it’s a non-standard property or investment property, we have options that cater to diverse real estate needs.

Common Questions Answered

A Portfolio Loan differs from a conventional loan in its flexibility with lending criteria, catering specifically to borrowers with unique financial situations, such as non-traditional income sources or unconventional property types, which might not meet the stricter requirements of conventional loans.

Yes, you can potentially qualify for a Portfolio Loan with a lower credit score. Portfolio Loans often offer more flexibility in credit score considerations compared to conventional loans, as they are designed to accommodate a wider range of borrower situations and financial backgrounds.

Yes, Portfolio Loans are particularly well-suited for unique or non-standard properties that may not qualify for conventional loans. This includes properties like investment properties, multi-family units, mixed-use buildings, and sometimes properties requiring significant rehabilitation or construction. These loans offer the flexibility needed for financing such diverse property types.