What are portfolio loans?

Portfolio loans are non-qualified mortgages (also known as non-QM). They provide customizations and unique underwriting guidelines that aren’t available through more traditional mortgages that are sold to large institutional investors like Fannie Mae or Freddie Mac.

What are the benefits of a portfolio loan?

Because portfolio loans are funded by banks and private investors, they’re able to provide more flexible features, including expanded underwriting and larger limits.

Can you refinance a portfolio loan?

Yes, you can refinance portfolio loans. Doing so lets you lower your payment, improve the terms of your loan, access equity, consolidate debt, recoup your down payment, or accomplish your other real estate and financial goals.

Is portfolio loan interest tax deductible?

Depending on the amount of your loan, your portfolio loan home mortgage interest may be fully tax deductible. Be sure to consult IRS guidelines and your tax advisors to determine eligibility.

What is the interest rate on a portfolio loan?

Interest rates for portfolio loans can vary greatly depending on market conditions, loan amount, and other mortgage options. To get the most accurate rate, please contact our mortgage experts. Call 888-277-9837 or fill out the below form.

Non-QM & Portfolio Loans

Custom Mortgages – High Loan Amounts, Low Fees

Designed for borrowers with complex financials or unique borrowing needs. Achieve your real estate goals with a mortgage tailored to you– even if your income and finances don’t neatly fit traditional guidelines.

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2022

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Why use Axos Bank for your portfolio mortgage?

We work with non-traditional incomes and complex financial needs.

Customizable loans from $150,000 to $30 million
Buy-before-you-sell options so you can use your existing real estate to help buy new property
Mix-and-match income sources including pledged assets and bank statements
Interest-only options to maximize cash flow
DSCR option for streamlined real estate investment loans
Self-employed borrower and foreign national financing

Get Started Call 888-277-9837

Ready to customize your mortgage?

Apply online or contact our expert team for today’s rates.

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Unique Home Loans for Unique Financial Needs

Here are some of the many mix-and-match options available through Axos Bank.¹

Have a different need? Call 888-277-9837

Amounts

$150,000 up to $30 million

Rate Types & Terms

Fixed Rate, Adjustable Rate (ARM), and Interest-Only

Property Types

Owner-Occupied, Second Home, and Investment Properties

Flexible Underwriting Programs

Bridge-to-Sale Loan

Secure a new home without worrying about timing the sale of your existing property.

How Bridge-to-Sale Works How It Works

Cross-Collateralization Loan

Two homes, one loan. Increase your buying power with the help of your existing property value.

How Cross-Collateralization Works How It Works

Debt Service Coverage Ratio (DSCR) Loan

Less paperwork and quicker closing for an investment property. Use the property cashflow to qualify.

How DSCR Works How It Works

Bank Statement Qualifying Loan

Business owners: Use multiple income streams to qualify, including personal or business bank statements.

How Bank Statement Qualifying Works How It Works

Frequently Asked Questions FAQs

Portfolio loans are non-qualified mortgages (also known as non-QM). They provide customizations and unique underwriting guidelines that aren’t available through more traditional mortgages that are sold to large institutional investors like Fannie Mae or Freddie Mac.
Because portfolio loans are funded by banks and private investors, they’re able to provide more flexible features, including expanded underwriting and larger limits. Here are some benefits available through an Axos Bank portfolio home loan:
- Expand your budget with Jumbo & Super Jumbo loan amounts (we go well beyond other lenders, offering amounts up to $30 million!).
- Eliminate selling contingencies with our Bridge-to-Sale and Cross-Collateralization programs.
- Minimize initial out-of-pocket costs and maximize cash flow.
- Gain payment flexibility with interest-only and deferred-interest options.
- Minimize liability and allow for anonymity with entity title vesting and privacy mortgage options.
Yes, you can refinance portfolio loans. Doing so lets you lower your payment, improve the terms of your loan, access equity, consolidate debt, recoup your down payment, or accomplish your other real estate and financial goals.

Let us know what you’d like to accomplish, and we’ll review to see how we can optimize your loan.goals.

Connect With the Axos Bank Mortgage Team

Ready for your free portfolio loan consultation? Contact us for more information.

Call 888-277-9837

We Can Help You Reach Your Homeownership Goals

- Loans designed for your unique needs
- A streamlined home loan process
- Smart technology and useful tools
- Real savings through lower rates and fees
- Options customized for today’s homeowner
- Superior service from mortgage experts

Additional Popular Mortgage Programs

Looking for something else? You have options at Axos Bank!

Jumbo & Super Jumbo Loans

Enjoy flexible options, qualifications, and freedom from lending limits for homes and investment properties.

Learn More

DSCR Loan Program

Fast-track your investment property loan by qualifying with the property’s expected net rents.

Learn More

Interest-Only Mortgages

Benefit from flexibility and lower monthly payments during the early years of your mortgage.

Learn More

Plan & Learn

Free mortgage tools and articles to help you on your homeownership journey.

Explore More Tools

Tool

What’s My Home Worth

Use our property valuation calculator to get ready to sell of use home equity to finance your next project.

Mortgage Calculator

Create a realistic budget for your upcoming home purchase.

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HELOC or Cash-Out Refinance: Which Is Right for Me?

Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?

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Mortgage Calculator

Use our mortgage calculator to help you set a realistic budget and determine a perfect home loan fit.

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First-Time Mortgage Refinance Guide

Worried that refinancing your home loan will be too much effort? Check out this guide.