Portfolio Products

MFG Banking® has added several Portfolio and NON-QM programs for Purchase, Rate and Term and Cash Out Refinance transactions. Our Portfolio Product line is offered to provide borrowers with loan programs that extend beyond the Agency guidelines.

If you have borrowers that need this flexibility to qualify, then we have the loan program that's right for you.

Contact your Manhattan Financial Group, Inc. Account Executive or Loan Coordinator to answer any questions you have about our Portfolio Products. If you are not already an MFG Banking approved broker, one of our Account Executives will walk you through the approval process, our loan products and online loan pricing and submission software (BRIDGE). *Click on any product name below to view a description and list of features*

Fresh Start
arrow

Fresh Start

200 Series Portfolio
close

Product Description:

Many hard-working people over the past few years have suffered from layoffs or reduced income, sometimes forcing bankruptcy or the loss of their homes. For those who have since rebuilt their credit, the Fresh Start Program can provide mortgage financing where it may have otherwise been unavailable due to seasoning or other requirements.

View Product Features & Guidelines
Investment
arrow

Investment

200 Series Portfolio
close

Product Description:

Borrowers who are interested in purchasing an investment or rental property can take advantage of our Investment loan portfolio product. This product allows for lower FICO requirements and a Maximum loan amount of $2 Million.

View Product Features & Guidelines
Foreign National
arrow

Foreign National

200 Series Portfolio
close

Product Description:

MFG's Foreign National Program provides qualified Non-U.S. citizens with better opportunities for purchasing a second home. Borrowers who frequent the U.S. for business or vacation purposes can take advantage of more flexibility and fewer restrictions with this portfolio product. This program can provide borrowers with mortgage credit that was previously unavailable.

View Product Features & Guidelines
Homeowner's Access
arrow

Homeowner's Access

200 Series Portfolio
close

Product Description:

Borrowers who are concerned about their credit history can get assistance in purchasing a home with Homeowner's Access. This product was designed for Home-buyers who have gone through bankruptcy or foreclosure, plan to finance their down payment with the help of their family, or are lacking a conventional (FICO) credit score. First-time buyers may qualify, too.

View Product Features & Guidelines
Jumbo Alternative
arrow

Jumbo Alternative

200 Series Portfolio
close

Product Description:

Among the various new Portfolio Products offered by MFG is the Jumbo Alternative Program. For borrowers who can demonstrate the ability to repay and are looking for higher loan amounts with more flexible guidelines, the Jumbo Alternative Program can provide the perfect lending solution.

View Product Features & Guidelines
Alternative Income
arrow

Alternative Income

1100 Series Portfolio
close

Product Description:

Alternative Income is a unique loan for clients who are looking to purchase or refinance, but do not fit QM loan requirements because they may be self-employed or have recently changed jobs. This loan is perfect for investors who may not meet traditional income verification requirement or documentation standards.

View Product Features
Asset Inclusion
arrow

Asset Inclusion

1100 Series Portfolio
close

Product Description:

Our advanced assets-as-income calculations ensure that qualified borrowers can supplement monthly income with non-liquid or retirement assets.This product allows for the financing of investment properties and cash-out refinances.

View Product Features
Early Access QM
arrow

Early Access QM

1100 Series Portfolio
close

Product Description:

This loan is designed to make mortgages easily available for borrowers with blemished credit, who are ineligible for financing through traditional agency or jumbo investors. Ideal for customers who may have struggled with foreclosure, bankruptcy, short sale, or other hardships in the past. This loan allows for the financing of investment properties.

View Product Features
Expanded Ratio
arrow

Expanded Ratio

1100 Series Portfolio
close

Product Description:

This product allows for up to 55% DTI for customers who meet residual income requirements, and can be used for the financing of primary home as well as cash-out refinances. This loan is ideal for consumers who do not meet qualifying mortgage debt-to-income (DTI) requirements.

View Product Features
Investor Loan
arrow

Investor Loan

1100 Series Portfolio
close

Product Description:

A game-changer, this loan is designed for investors who own at least three other investment properties or investors with a history of owning, retaining, and managing investment properties. This loan is ideal for experienced investors who may exceed agency investment property maximums or do not meet traditional income requirements.

View Product Features
Non-Warrantable Condo
arrow

Non-Warrantable Condo

1100 Series Portfolio
close

Product Description:

Non-Warrantable Condominiums are eligible for a number of our portfolio loans: Early Access Loan, Alternative Income Loan, Asset Inclusion Loan, Expanded Ratio Loan.

*Additional restrictions may apply.

View Product Features