Financing Solutions That Grow With Your Goals

Portfolio Mortgage Loan for Unique Borrowing Needs

We design lending options around you, whether you’re self-employed, investing, or need something beyond the typical mortgage.

Speak With a Lending Expert
Portfolio mortgage loans

Choose the Right Portfolio Mortgage Solution

Portfolio mortgage options
icon-product-list-1

RBB Portfolio Program

  • Accelerated Approvals
  • Adjustable or Fixed Rate
  • Self Employed/Wage Earner
  • No FICO/No Credit History Options are Available
  • Alternative Documentation/No Tax Return
  • Loan Amount up to $4.5 million
  • 70% Max LTV
Speak With a Lending Expert
icon-product-1

Affordable Housing Portfolio Product

  • Flexibility to allow for higher debt to income ratio
  • Lower FICO requirement
  • Use of non-traditional credit such as rent and utility bills to demonstrate good credit history
  • Competitive rates
  • Lender credit applies only to low-income or designated low-area borrowers
Speak With a Lending Expert

Terms and conditions apply.

Subject to credit approval.

Royal Business Bank Benefits

Why Choose Our Portfolio Mortgage Loans

Try a lending process designed around your needs.

  • Access Higher Borrowing Limits
    Get access to larger loan amounts 
  • Obtain Loans with a Unique Credit Profile
    We look at the whole picture, including income streams and credit history others don’t consider.
  • Work with a Bank That Knows Your Market
    Partner with lenders who know the area and are open to crafting creative solutions for your mortgage needs.
Meet the Lending Team
Portfolio mortgage loans benefits
royal business bank logo decor image

Is A Portfolio Mortgage Loan Right for You?

Portfolio mortgage loans for homebuyers with non-standard income
01

Homebuyers That Don’t Fit the Standard Box

Find a mortgage that works with your circumstances and move into the home you’ve been dreaming of.

Portfolio mortgage loans for expanding investors
02

Investors Expanding Their Reach

From a second home to multi-unit investments, obtain the financing that supports long-term growth.

Portfolio mortgage loans for complex borrowers
03

Borrowers with Complex Financial Profiles

Whether you’re self-employed or have a nontraditional credit history, our solutions adapt to your circumstances.

Speak With a Lending Expert
FAQs About Portfolio Mortgage Loans

Need a Quick Answer?

Browse our most common questions before reaching out

If you are self-employed, a foreign national, or a freelancer you might benefit from a loan that works around traditional income documentation requirement.

Whether it’s your main home, a vacation spot, or an investment property (even condos and multi-units), we’ve got various options to meet your needs.

Rather than following agency’s income documentation requirements, we accept alternative income documents such as profit & loss statement in lieu of tax returns. No tax transcript is required.

Depending on whether you prefer the stability of a fixed rate or the flexibility of an adjustable one, we’ll help you choose what best fits your situation and goals.