Non-QM & Portfolio Loans
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.
Apply Now Call 888-277-9837
★★★★★
4.5 Out of 5 Stars
Zillow
Top 10 Customer Satisfaction
2023
Lending Tree
Best Mortgage Lender
2022
The Ascent, A Motley Fool Service
★★★★★
4.5 Out of 5 Stars
Zillow
Top 10 Customer Satisfaction
2023
Lending Tree
Best Mortgage Lender
2022
The Ascent, A Motley Fool Service
Testimonials
Explore Options
FAQs
Additional Mortgages
Why use Axos Bank for your portfolio mortgage?
We work with non-traditional incomes and complex financial needs.
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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
Cooper found just the right product for my unique situation and was able to help when others said no.
Charles | Illinois
I am deeply grateful to Tim and Axos Bank for everything they did to make this refinance possible. Not only was my personal situation very complex, but I got a spectacular rate and a term that matches my goals.
Jim | Conneticut
I have purchased a lot of houses and must say that Uriel was the most streamlined and no-nonsense loan officer I've ever had.
Joseph | Texas
Ready to customize your mortgage?
Apply online or contact our expert team for today’s rates.
Apply Now Call 888-277-9837 Contact the Team
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 It Works
Cross-Collateralization Loan
Two homes, one loan. Increase your buying power with the help of your existing property value.
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 It Works
Bank Statement Qualifying Loan
Business owners: Use multiple income streams to qualify, including personal or business bank statements.
How It Works
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.
How It Works
Frequently Asked Questions FAQs
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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 MortgageTeam
Ready for your free portfolio loan consultation? Contact us for more information.
Call 888-277-9837
We Can Help You Reach Your Homeownership Goals
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Loans designed for your unique needs
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A streamlined home loan process
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Smart technology and useful tools
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Real savings through lower rates and fees
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Options customized for today’s homeowner
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Superior service from mortgage experts
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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.
Calculator
Mortgage Calculator
Create a realistic budget for your upcoming home purchase.
Read More
Explore More Tools
Articles
Read More Articles
Read More Articles
How it Works
Bridge-to-Sale
How it works:
- List your current home for sale
- Work with us on a bridge loan to access your equity
- Continue your home search and purchase new property
- Sell departing residence at your leisure within 1 year of funding your bridge loan
Apply Now
Cross-Collateralization
How it works:
- You offer your existing property (paid off or minimal loan amount) as additional collateral for your mortgage
- The equity from the existing property is used instead of, or in addition to, cash for down payment
- We use the new home and existing home as collateral for the mortgage – until you decide to sell or refinance
Apply Now
DSCR
How it works:
- We look at the current rent and an appraiser’s market rental analysis
- We calculate the expected net rent using whichever is lower: actual rent or market rents
- The rent from the property is divided by the proposed new mortgage payment to calculate the DSCR for the proposed loan
- If the calculation exceeds the minimum ratio required by the investor guidelines for the loan, the rent from the property will be used as the primary source of repayment and qualification
- If the calculation doesn’t meet the minimum ratio required by the investor guideline for the loan, you may qualify for our no ratio option
Apply Now
Bank Statement Qualifying
How it works:
- You determine which income sources you’d like to use to qualify off the cashflow of your business. It can be bank statement only or a mix
- You provide the most recent 12 months of statements as documentation
- Based on your documents, we calculate the 12-month average of your monthly income
Apply Now
Pledged Assets
How it works:
- Identify the assets you’d like to pledge toward a down payment on your mortgage (you can also pledge assets for your family member’s mortgage). Eligible assets include stocks, bonds, mutual funds, CDs, and cash
- Your pledged assets will move over to Axos Financial just before loan closing. This is done through ACATS (automated customer account transfer service), which means it isn’t considered a sale of securities. A hold will be placed on the account, but your assets still have the potential to grow while you’re paying your mortgage
- If you’ve pledged stocks, they can be transferred to Axos Invest Self-Directed Trading without having to sell and incur capital gains – and you can still make basic trades through our platform. If they’re managed by an RIA or broker dealer who partners with Axos Financial for clearing and custody services, no transfer is needed
- After 36 months, you’ll have the potential to release the pledged assets if you’ve accrued enough equity. Otherwise, once you’ve refinanced or paid off your mortgage, your pledged assets will be released
Apply Now
I'm an expert in mortgage financing and have a deep understanding of non-qualified mortgages (Non-QM) and portfolio loans. My expertise is grounded in the intricacies of mortgage products tailored for borrowers with complex financials or unique borrowing needs, like the ones offered by Axos Bank.
To demonstrate my knowledge, let's delve into the concepts and features mentioned in the provided article:
Axos Bank's Non-QM & Portfolio Loans:
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Loan Customization:
- Axos Bank offers customizable loans ranging from $150,000 to $30 million.
- Different rate types and terms are available, including Fixed Rate, Adjustable Rate (ARM), and Interest-Only.
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Property Types:
- Eligible properties include Owner-Occupied, Second Home, and Investment Properties.
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Underwriting Programs:
- Axos Bank provides various underwriting programs to meet diverse needs:
- Bridge-to-Sale Loan: Secure a new home without worrying about timing the sale of your existing property.
- Cross-Collateralization Loan: Use the value of existing property to increase buying power.
- DSCR (Debt Service Coverage Ratio) Loan: Streamlined real estate investment loans using property cash flow for qualification.
- Bank Statement Qualifying Loan: Business owners can use multiple income streams, including personal or business bank statements.
- Pledged Assets: Leverage stocks and other assets for larger mortgages without selling assets.
- Axos Bank provides various underwriting programs to meet diverse needs:
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Testimonials:
- Positive customer testimonials, such as Charles from Illinois, Jim from Connecticut, and Joseph from Texas, highlight the effectiveness of Axos Bank's tailored solutions.
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Loan Consultation and Contact Information:
- Axos Bank encourages potential borrowers to contact their expert team for a free portfolio loan consultation at 888-277-9837.
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Recognition and Ratings:
- The bank has received high ratings, including 4.5 out of 5 stars on Zillow and being named a top mortgage lender by Lending Tree in 2023.
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Other Mortgage Programs:
- Axos Bank offers various mortgage programs, including Jumbo & Super Jumbo Loans, DSCR Loan Program, Interest-Only Mortgages, and free tools and articles to aid in homeownership.
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Application Process:
- Interested individuals can apply online or contact Axos Bank's expert team at 888-277-9837.
Conclusion:
Axos Bank's non-QM and portfolio loans cater to borrowers with unique financial situations, offering a diverse range of loan options and underwriting programs. The positive testimonials, ratings, and recognition contribute to the credibility of Axos Bank as a mortgage lender specializing in tailored solutions for complex borrowing needs.
