Portfolio Products

Why Portfolio Mortgage Products?

Portfolio loans may be held by our parent company (Home Mortgage Alliance Corporation – HMAC) , which allows us greater freedom to analyze unique situations and potentially offer loans to borrowers who otherwise may not qualify for another type of loan. This product really does make dreams come true!

To discuss portfolio loans with one of our knowledgeable loan officers, contact Variant Lending Group today!

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How Does a Portfolio Loan Work?

Because portfolio loans are not sold to Fannie Mae, Freddie Mac, or any of the government entities, we are free as a bank-owned company to establish our own set of guidelines and requirements for loans held in-house. If you are denied for a loan somewhere else but have good credit and believe you are a strong candidate for a mortgage, asking about our portfolio loan program is the smart thing to do. Buying your dream home takes patience, persistence, and a careful eye, and we are here to help make that dream come true!

Do Portfolio Loans Have Limitations?

There are guidelines that we follow in regards to down payment, debt-to-income ratio, credit scores, and reserves/emergency funds, but each loan is truly evaluated on a case-by-case basis. Part of your portfolio loan file is the loan story – a short narrative explaining why you have chosen this product and how your loan will benefit the bank that holds it. Your loan story is taken into consideration, along with several other factors, to determine if this product is right for you. At Variant Lending Group, we’re happy to evaluate your unique situation in order to determine if a portfolio loan is the right decision for you and your family.

Are There Any Fees Associated With a Portfolio Loan?

Yes – we charge a 1% origination fee and standard closing costs on all portfolio loans, both of which are payable at closing.

Portfolio Products

Many borrowers need flexible products with low-interest rates, flexible terms, and minimal down payments. Affordability is the key to many borrowers being able to buy homes or...

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FHA Loans

FHA loans are mortgages that are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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First Time Buyer

Exploring local & national first-time homebuyer assistance programs is an important step in the journey to homeownership. Buying a first home is a big deal, so we here to help you!

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Investor Loans

When you're looking for a home loan, there are many factors that determine the terms and interest rates you'll receive from lenders. One of these is whether you're buying a first home

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USDA

People are often overwhelmed by the different kinds of mortgages available today. Are you one of those people thinking of planning a property? If you have an idea of what you are

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Mortgage

Conventional products provide a wide variety of homebuying and refinancing options for well-qualified borrowers.Government products restrict lending to only primary residences

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment

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Renovation Loan

A renovation loan can help fund home improvements, allowing you to turn a house into your dream home.

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Important Legal Disclosures

Variant Lending Group (Branch NMLS #1977530) is DBA Home Mortgage Alliance Corporation, NMLS #1165808.

Lender License (#MC-6747) and Mortgage Broker #ML-6747 in Virginia.

SML Mortgage Company License and SML Mortgage Loan Servicer Registration, licensed by the Texas Department of Savings and Mortgage Lending.

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