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Private Home Loans

Private Portfolio Home loans have more relaxed income and credit requirements when compared to Conventional or FHA loans and they help borrowers purchase or refinance in the super jumbo market as they are not regulated with loan limits.

When is a Private Portfolio Loan best?

A private portfolio loan has several uses and can help a variety of different borrowers. They are ideal for self-employed borrowers who show their income in non traditional ways; or if you have had a serious credit event such as a Foreclosure, Bankruptcy or Short Sale. They can help you as soon as ONE day after that event, and they can even help borrowers with FICO's as low as 500! Private Portfolio loans do not have loan limit regulations such as Conventional or FHA loans, which allows borrowers to purchase or refinance super jumbo loans.

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Self Employed Income - OK


Private Portfolio loans are great for borrowers with unique income. Especially self-employed borrowers who show the majority of income on bank statements.

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No Loan Limits


If you are trying to obtain financing greater than $765,600 - private loans are a great option as they are not regulated with loan limits!

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Make Sense Lending


Private loans have much more relaxed guidelines, allowing us to qualify borrowers who may not have qualified for other traditional loans in the past. If you think your loan makes sense, chances are we do too.

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Major Credit Events - OK


Private Portfolio lenders do not follow the same regulations as Conventional or FHA lenders. This is why they are able to help borrowers ONE DAY out of a major credit event as low as a 500 FICO.


Still have some questions? Get a Free Consultation from one of our Loan Experts and let us help you find out what loan is the best for your situation.

Free Consultation
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Ocean Lending Home Loans, Inc.

NMLS #1626788

James Edwards NMLS #206740

Dan Bray NMLS #222131

Phone: (888) 508-5030

 

California licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act- Lic # 41DBO-76602 and Finance Lenders Law- Lic # 60DBO71981 - Arizona licensed by the Department of Financial Institutions Mortgage Banker License- Lic # 0949333 - Colorado licensed by Department of Regulatory Agencies Mortgage Company Registration- Lic # none - Florida licensed by the Office of Financial Regulation Mortgage Servicer License- Lic # MLD1658 - Hawaii licensed by the Department of Commerce and Consumer Affairs Financial Insitutions Mortgage Loan Originator Company License- Lic # HI-1626788 - Maryland licensed by the Department of Labor, Licensing and Regulation Mortgage Lender License- Lic # 23165 - North Carolina licensed by the North Carolina Commissioner of Banks Mortgage Lender License- Lic # L-177875 - Oregon licensed by the Division of Financial Regulation Mortgage Lending License – Lic # ML-5719 - Tennessee licensed by the Department of Financial Solutions- Lic # 195437 - Texas licensed by the Texas Department of Savings and Mortgage Lending Mortgage Company License- Lic # none - Virginia licensed by the Commonwealth of Virginia State Corporation Commission Broker and Lender License- Lic # MC-6821 and #MC-6821 - Washington Licensed by the Washington State Department of Financial Institutions Consumer Loan Company License- Lic # CL-1626788

http://www.nmlsconsumeraccess.org

California Office

27271 Las Ramblas Ste 350
Mission Viejo, CA 92691

(888) 508-5030

Arizona Office

7137 E Rancho Vista Dr, Ste B05
Scottsdale, AZ 85251

(888) 508-5030

Hawaii Office

288 Ikalani Place
Pukalani, HI 96768

(888) 508-5030

Texas Office

8000 IH-10 West, Ste. 600
San Antonio, TX 78230

(888) 508-5030

Washington Office

11227 Phinney Ave N.
Seattle, WA 98133

(888) 508-5030

Ocean Lending Home Loans, Inc.

NMLS #1626788

James Edwards NMLS #206740

Dan Bray NMLS #222131

Phone: (888) 508-5030

 

California licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act- Lic # 41DBO-76602 and Finance Lenders Law- Lic # 60DBO71981 - Arizona licensed by the Department of Financial Institutions Mortgage Banker License- Lic # 0949333 - Colorado licensed by Department of Regulatory Agencies Mortgage Company Registration- Lic # none - Florida licensed by the Office of Financial Regulation Mortgage Servicer License- Lic # MLD1658 - Hawaii licensed by the Department of Commerce and Consumer Affairs Financial Insitutions Mortgage Loan Originator Company License- Lic # HI-1626788 - Maryland licensed by the Department of Labor, Licensing and Regulation Mortgage Lender License- Lic # 23165 - North Carolina licensed by the North Carolina Commissioner of Banks Mortgage Lender License- Lic # L-177875 - Oregon licensed by the Division of Financial Regulation Mortgage Lending License – Lic # ML-5719 - Tennessee licensed by the Department of Financial Solutions- Lic # 195437 - Texas licensed by the Texas Department of Savings and Mortgage Lending Mortgage Company License- Lic # none - Virginia licensed by the Commonwealth of Virginia State Corporation Commission Broker and Lender License- Lic # MC-6821 and #MC-6821 - Washington Licensed by the Washington State Department of Financial Institutions Consumer Loan Company License- Lic # CL-1626788

http://www.nmlsconsumeraccess.org