Purchase Products


This mortgage product is a Portfolio lending program. It is ideal for borrowers who wants to purchase a home but does not but does not meet the guidelines to qualify for a traditional mortgage financing. This program requirement are satisfied solely on your assets rather than income documentation, however, the lender may require you to provide bank statements or other documentation to show that you can afford the monthly payments on the house.

Benefits & Features

  • Borrowers are qualified based on liquid assets or deposits.
  • Expanded qualifying debt-to-income ratios.
  • All type of homes are allowed.


  • Minimum Fico Credit Score starting at 620.
  • Minimum reserves of 6 month are required.
  • Foreclosure allowed after 3 years.


The loan process many times boils down to what you can afford. A good way to check your potential finances is to utilize a monthly payment calculator such as the one found here with Ready Mortgage Lenders.

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