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 2023

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Best Mortgage Lender 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 StartedCall 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|Connecticut

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 NowCall 888-277-9837

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 Work

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

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. 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.

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.

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

What is a pledged asset mortgage?

With a pledged asset mortgage, you’re able to use assets like stocks and mutual funds instead of a down payment toward a home. Pledged asset mortgages and other pledged asset loans are especially popular among individuals who work within the tech space and buyers who have a large stock portfolio but limited liquidity.

Because the assets act as additional collateral, borrowers can’t use pledged cash funds, but they can make stock trades and can continue to benefit from their long-term investment strategy.

What are the advantages and disadvantages of a pledged asset mortgage?

Pledged asset mortgages are an attractive solution for homeowners and homebuyers who have an extensive investment portfolio. It allows them to utilize these assets toward a down payment without having to sell – so they can continue to maintain their long-term investment strategy and defer potential capital gains.

Pledged asset mortgages are best for individuals who have a long-term strategy, as the leveraged stocks (and other assets) are held away until the loan is paid off or refinanced. This means your portfolio must maintain a minimum value while it’s held away as a pledge.