Certainty Portfolio

Certainty Home announced the launch of Certainty Portfolio, a suite of flexible mortgage products created to meet the needs of today’s increasingly diverse borrower landscape. Certainty Portfolio offers customized financing solutions that move beyond rigid income qualifications and traditional lending limitations, enabling more people to realize their homeownership goals.

Certainty Portfolio reflects a significant step forward product strategy, designed specifically for self-employed individuals, small business owners, freelancers, property investors, and other well-qualified borrowers whose financial profiles don’t align with conventional standards.

The suite includes four primary offerings:

  • Certainty Portfolio Self-Employed – Accepts flexible income documentation to qualify on business cash flow
  • Certainty Portfolio Assets – Allows qualification based on assets alone or to supplement other types of income
  • Certainty Portfolio Investor – Qualifies solely on property cash flow
  • Certainty Portfolio Buy Before You Sell – Enables a new home purchase without needing to sell a current home first

These custom loan products offer significant advantages in a competitive purchase market, giving buyers tools to make non-contingent offers and move quickly without traditional financing roadblocks.

According to recent data, investment purchases by small and mid-sized investors represented roughly 25% of U.S. home sales last year, demonstrating the growing need for products like Certainty Portfolio Investor. Additionally, the self-employed and gig economy workforce is expanding faster than the overall labor force, requiring lenders to rethink how creditworthiness is evaluated.

As borrower profiles and income structures continue to shift, lenders who offer responsible and common-sense financing solutions stand out. Certainty Portfolio is built around this philosophy—accommodating each borrower’s unique and often complex financial situation to make homeownership more accessible for well qualified borrowers.

To learn more, please visit: https://www.certaintyhomelending.com/portfolio

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS #2611; 3940 N Ravenswood, Chicago, IL 60613; 866-934-7283. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply.

Back to Articles