Portfolio Loans

Are you looking for a loan but suffer from less than perfect credit? A Portfolio Loan may be what you need.

Portfolio Select/Alt-A

  • Up To 90% LTV With No MI
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Loans Up To $3 million (Minimum Loan $75,000)
  • Credit Scores Down to 620
  • Gift Funds Allowed
  • Owner-Occupied, 2nd Homes, Investment Properties
  • SFRs, Townhomes, Condos, 2-4 Units
  • Non-Warrantable Condos Considered

Bank Statement (Personal or Business)

  • No Tax Returns/Transcripts Required
  • 12 Months Personal Bank Statements Now Available
  • 24 Months Bank Statements (Personal Or Business)
  • Loans Up To $3 million (Min Loan Amount $150,000)
  • Credit Scores Down To 620
  • Personal Business 90% LTV (No MI)
  • Owner-Occupied, 2nd Homes, Investment Properties
  • 2 Years Seasoning Foreclosure, Short Sale, BK, OIL
  • Non-Warrantable Condos Considered
  • Gift Funds Allowed
  • SFRs, Townhomes, Condos, 1 Unit

Non-Prime/Recent Housing Event

  • 1 Day Out Of Foreclosure, Short Sale, BK, DIL
  • Loans Up To $1 Million
  • Credit Scores Down To 500 (Including Jumbo Loans)
  • Up To 85% LTV With No Ml
  • Mortgage Lates Are OK
  • 100% Gift Funds Allowed
  • Owner-Occupied, 2nd Homes, Investment Properties
  • SFRs, Townhomes, Condos, 2-4 Units
  • Non-Warrantable Condos Considered

Investor Cash Flow

  • No Personal income Used To Qualify
  • Qualification Based On Property Cash Flow
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Credit Scores Down To 660
  • Up To 75% LTV (Up To 80% NOO On Other Programs)
  • Must Have Housing History And Own A Primary Home
  • SFRs, Town Homes, Condos, 2-4 Units
  • No Limit On Number Of Properties Financed (5 With AOMS)
  • Loans Up To $1 Million (Minimum $75,000)

Foreign National

  • Up To 75% LTV (Purchase Or Refinance)
  • No US Credit Required
  • 12 Months Reserves Required
  • No SSN Or ITIN Required
  • SFRs, Townhomes, Condos, 2-4 Units
  • Non-Warrantable Condos Considered
  • Loans Up To $750,000 (Higher Amounts Case By Case)

If you are interested, please contact us by filling out the form below or by calling us at 702-362-2050

Contact Us



Sunwest Financial Services

2580 Sorrel St.
Las Vegas, Nevada 89146

Phone: 702-362-2050

Fax: 702-362-2060

NMLS: 318212