Advancial Wholesale Portfolio Program
  • Introduction
  • Quick Facts
  • Pros & Cons
  • Availability
  • Occupancy & Property Type
  • Income & Purchase Price Limits
  • Key Features & Conditions
  • Other Limitations
  • Mortgage Insurance & Fees
  • Similar Loan Programs

This loan program is not available in USA

Program Description

Alt-A & Odd Properties ; Indian Leased Land ; ITIN/Foreign National ; Condotels + Non-Warrantable condos ; Shouse, Hobby Farm and extra acres; 1 yr Self-Employed; Multiple Homes on Property ; close as LLC; No FICO; Off grid to 50% ; Unpermitted additions

Tags
Builder Turn DownCondominium OptionsHigh-Balance Mortgage
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Our loanSMART system will tell you if this loan program is a good fit your scenario.

Advancial Wholesale Portfolio Program

Min. Credit Score

N/A

Min. Down Payment

3%

Max Loan Amount

Qualification variables shown here are for 1-Unit Primary Residences, and loan amount ranges vary based on US County. Register Now to see if this loan program is a good fit for you, find your county limits, and find more options for purchasing a home.

Pros & Cons
  • Flexible Income and Asset Underwrites for Unique Situations
  • Good Rates on Foreign Nationals with Larger Down Payments
  • Hobby Farms + Barndominiums/Shouses
  • Adjustable Rate Mortgages Only
  • Generally Larger Down Payments
Program Availability

Talk to an Expert

An RMM PROLender can help you see if this or a different loan program is the right fit for your unique situation. Get Started.

“Great options for odd, non-conforming properties. No FICO on a jumbo loan. All ARMS. Good rates for Foreign Nationals"

Occupancy & Property Types

Qualification factors for this program can vary based on how you intend to occupy the property and what type of property you are purchasing. By registering for a free account , you can check program limits for all property and occupancy types.

Occupancy Types
Income & Purchase Price Limits

Your Debt-to-Income Ratio (DTI), as well as purchase price and income limits, are important factors when qualifying for a home loan program. By registering for a free account , you can find the exact program limits for this program and others in your area and for your unique scenario.

Debt-to-Income Limit

50.00%

Purchase Price Limit

Income Limit

No Limits

Qualification variables shown here are for 1-Unit Primary Residences, and loan limit ranges vary based on US County. Amounts may be rounded. Exact amounts can be accessed by registering for a free account.

Buying a Home?

Answer a few short questions and we'll build you a custom list of home loan program options. You're homeownership journey is in good hands.

Key Features
  • Great with Odd Properties
  • Very Non-Warrantable Condos + Condotels
  • Can close as LLC
Additional Conditions
  • Great options for odd, non-conforming properties. No FICO on a jumbo loan. All ARMS. Good rates for Foreign Nationals
Other Limitations

In some circumstances, there are specific requirements you must meet or homebuyer education courses you must attend in order to be eligible for the loan program.

No other program limitations

A Homebuyer Education Class is not required for this loan program.

Mortgage Insurance & Fees

Most mortgage programs require mortgage insurance when you are financing more than 80% of the purchase price or appraised value. Some programs may also have an associated funding fee, paid at the time of closing, or an annual fee. Learn all about the different fees here.

Mortgage Insurance
No Mortgage Insurance

This program does not require Private Mortgage Insurance (PMI).

Funding Fee
Type: No Funding Fee

This program does not have a funding fee.

Annual Fee
Type: No Annual Fee

This program does not have an annual fee.

Estimated Closing Costs: 2.5%

These amounts are just an estimate. Your closing costs include things like loan origination fees, discount points, appraisal fees, title insurance, taxes, deed recording fees, and other charges.

Similar Loan Programs

If you think this home loan program may be a good fit for you, you may also want to check out the following programs that share many similarities with the current program.

FHA High-Balance Purchase Loan

Best For: Large Loan Amounts, Easy Qualification

FHA financing option for purchasing a home above the government limit in designated high cost counties across the United States.

Details
VA High-Balance Purchase Loan

Best For: Large Loan Amounts, Zero Down

The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.

Details

Visit our Mortgage Education Center for more resources.

* Alt-A & Odd Properties ; Indian Leased Land ; ITIN/Foreign National ; Condotels + Non-Warrantable condos

Mortgage Program by:

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