Portfolio Loans

Bank of Internet USA is nationally recognized for its Portfolio Loans, flexible, custom-built mortgages that are created to meet the unique financial needs of individual homebuyers. We offer a variety of home loan options, specializing in Jumbo Adjustable Rate Mortgages (ARMs) in particular.

Customized Portfolio Lending

The Portfolio Loan Program from Bank of Internet USA offers many benefits, including:

  • Expanded Guidelines: Our Portfolio Loans do not have to adhere to the guidelines established by Fannie Mae and Freddie Mac .
  • Jumbo and Super Jumbo Loan Options: We fund loan amounts of .
  • Interest-Only Options: For a fixed period, borrowers can choose to makes payments only on the interest on their mortgage rather than the principle and the interest.
  • Vesting Title in Entities Program: Under the terms of this program, the title of a home can be vested into an LLC, trust, partnership, or sub S corporation.
  • Asset-Based Lending Programs: Homebuyers can borrow up to 90% LTV (loan-to-value ratio) with pledged assets.
  • Nonresident Alien Mortgage Options: .

Call 1.888.546.2634 to speak to a knowledgeable Mortgage Consultant who will find a portfolio loan solution that is just right for you.

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Portfolio Loans Customized to Meet Unique Financial Needs

Through our nationally recognized, industry-leading Portfolio Loan program, is able to provide flexible, customized mortgage solutions to our customers. We take an innovative approach to creating each Portfolio Loan, looking for the most effective ways to meet the individual needs of each home buyer on loan amounts ranging from $300,000 to $5 million, or even higher under certain circumstances.

Property Types We Lend On

  • Single-family primary residences
  • Second homes or vacation properties
  • Investment properties
  • High land-to-home value
  • Agency project condo financing
  • No limits on acreage
  • Unique properties considered

Features of Our Portfolio Loan Program

  • Bank of Internet USA specializes in and .
  • .
  • Vest the title of your property into an LLC, Trust, Partnership or Sub S Corporation for the flexibility of structuring your assets or the security of protecting your assets.
  • Our Pledged Asset Program offers up to 90% financing for borrowers with complex investment portfolios. Highlights include:
    • Any person may pledge assets on behalf of a borrower in lieu of a down payment*.
    • Available on primary, second or vacation homes, and investment properties.
    • Ability to defer capital gains tax associated with liquidation of funds.
    • Eligible assets include stocks, bonds, mutual funds, CDs, money market, and savings (retirement accounts are not eligible).
    • Trading is allowed in pledged account.

Why Work with Bank of Internet USA?

Our accommodates complex financial structures, high loan amounts, and unique properties. Our underwriting is built upon the philosophy that you have to look beyond the numbers to determine the true value and risk of a loan.

Our mortgage specialists use the most advanced technology available to process your Portfolio Loan, ensuring optimal accuracy and efficiency, without a shred of paper being used. Turn times for approval and processing are significantly reduced through 100% imaging of

Our team of Mortgage Consultants will and work with you to structure a customized Portfolio Loan that best suits your unique financial needs and goals. We will strive to provide you with , from application to closing.