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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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Top 10 Customer Satisfaction


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The Ascent, A Motley Fool Service

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

Ready to customize your mortgage?

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

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


$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.

Cross-Collateralization Loan

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

Debt Service Coverage Ratio (DSCR) Loan

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

Bank Statement Qualifying Loan

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

Pledged Assets

Leverage your stock and other assets to qualify for a larger mortgage – up to 90% LTV on jumbo and super jumbo loans – without selling assets or changing your investment strategy.

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.

Connect With the Axos Bank Mortgage Team

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

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.

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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

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.