Purchase Products


This mortgage product is part of our Portfolio lending program. It is ideal for borrowers who want to purchase a home but does not meet the guidelines to qualify for traditional mortgage financing. The program requirements are satisfied solely on your assets rather than income documentation, however, the lender may require you to provide bank statements or other documentation to establish 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.

For all your Mortgage Needs! We are Ready to help!