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Our Mortgage Experts Work with You to Find the Perfect Lending Option for Your Situation

Our specialty mortgage team provides home mortgage solutions tailored to a borrower’s needs and objectives, including custom construction, renovation loans, and portfolio loans. We leverage our private and commercial bankers to underwrite complex credit profiles and non-traditional ownership structures.

Portfolio 5/1 Adjustable Rate Mortgage

Key Features

  • No maximum cash-out amount on refinance
  • Non-traditional income sources and calculations considered
  • Escrow holdbacks for repairs permitted
  • Owner occupied residences; 2nd homes considered on an exception basis
  • No maximum on number of financed properties
  • Vesting in an LLC allowed
  • Minimum credit score 680

Available for Home Purchase, Cash-out Refinances, or No Cash-out Refinances

  • 80% of appraised home value for loan amounts up to $1,250,000
  • 75% of appraised home value for loan amounts up to $2,000,000
  • 70% of appraised home value for loan amounts up to $2,500,000
  • 65% of appraised home value for loan amounts up to $3,000,000 and above

Jumbo Construction & Renovation Mortgages

Key Features

  • One-time close
  • Fully funded at closing
  • 30-year term (including up to 18-month construction period)
  • 5/1 ARM
  • Non-traditional income sources and calculations considered
  • Vesting in an LLC allowed
  • Owner-occupied residences; 2nd homes considered on an exception basis
  • Ground-up construction allowed for borrowers that are in title to the property
  • Minimum FICO 700

Maximum Program LTVs, Based on “Subject to Completion” Appraised Value

  • 80% to $1,250,000
  • 75% to $2,000,000
  • 70% to $2,500,000
  • 65% to $3,000,000

Jumbo Home Equity Line of Credit (HELOC)

Key Features

  • Credit lines up to $3,000,000
  • Non-traditional income sources and calculations considered
  • 10-year draw period followed by 15-year repayment term (25 years total)
  • Owner-occupied residences; 2nd homes considered on an exception basis
  • 1st or 2nd lien position
  • Vesting in an LLC allowed
  • Minimum credit score 680

Available for New Line Access or Refinance of Existing Lines

  • 80% of appraised home value for loan amounts up to $1,250,000
  • 75% of appraised home value for loan amounts up to $2,000,000
  • 70% of appraised home value for loan amounts up to $2,500,000
  • 65% of appraised home value for loan amounts up to $3,000,000 and above