Flexible Loans

Portfolio Lending

Flexibility with Portfolio Home Loans

Fremont Bank is proud to offer the flexibility of portfolio lending. These loans are underwritten to our own internal standards and guidelines, thus allowing us to have more latitude than with traditional underwriting. When making underwriting decisions, we evaluate a client’s entire financial situation, and most importantly, their ability to repay the loan.

There are a variety of reasons why traditional underwriting might be a challenge. It could be that you have unique credit or income circumstances, a unique property type, or are simply looking to expand your investment property portfolio. In cases like these, portfolio loans are a great solution.

Currently we offer two competitively priced portfolio Adjustable Rate Mortgage (ARM) loan products with either a five-year or seven-year initial fixed period. We lend on primary residences from $100,000 to $2.5 million and investment properties to $1 million with loan amount exceptions considered case-by-case.

Speak with one of our loan officers about how a portfolio loan might be a good choice to fit your unique financial situation.

What is an Adjustable Rate Mortgage?

Watch our video or click here to learn more about conventional Adjustable Rate Mortgages.

Program available for properties located in select counties in CA and NV. Not all loan programs are available in all areas for all loan amounts. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply. Other loan programs available. Call for details.

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