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Portfolio Loan Benefits
Portfolio Loan Benefits
  • Our Portfolio Loan Program offers many benefits, including:
  • Loan amounts from $300,000 to $5 million or more
  • Underwriting flexibility
  • Cross Collateralization that reduces or eliminates down payments
  • Expanded guidelines and specialized features
  • Interest-only options
  • Non-Resident Alien Mortgages
  • Financing options for self-employed borrowers
  • Bridge financing
  • Pledged assets in lieu of cash

What Are Portfolio Loans?

They are mortgages that offer greater flexibility and unique features. Portfolio loans don’t strictly follow conventional loan guidelines. They allow for a more common sense approach to lending based on each borrower’s distinct financial situation.

At Axos Bank, we understand that no two borrowers are the same. Mortgages are not either. We look at compensating factors to tailor mortgage solutions for borrowers with complex financial structures, high loan amounts, and unique properties. They are also used to meet the special needs of foreign national borrowers.

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Why Is Axos Bank™ Nationally Recognized for Portfolio Loans

We are an industry-leading Portfolio Lender because we are experts at designing custom loans for unique financial needs and properties.

Some distinctive features of our Portfolio Loan program include:

  • Loan amounts of up to $5 million, and even more under certain circumstances
  • We lend on investment properties, high land-to-home values, agency project condo financing, vacation homes and other unique properties are considered with no limits on acreage
  • Program that permits a title to be vested into an LLC, trust, partnership, or sub S corporation
  • Asset-Based Lending Programs that allow 90% LTV (loan-to-value ratio) with pledged assets
  • Permits purchase of a home with no money down, through cross collateralization of a free and clear property (restrictions apply)

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