Introducing Certainty Portfolio
Home loans for all kinds of income
If traditional loan requirements don’t fit your financial situation and banks aren’t coming through —Certainty Portfolio is for you.
Unlike other mortgages, Certainty Portfolio is a suite of loans that focus on your full financial picture rather than rigid income guidelines — making qualification and approval easy.
How can I qualify?
There are all kinds of ways you could qualify if you don’t fall into more traditional income categories.
Certainty Portfolio | Self-Employed 1
- For self-employed, small business owners, independent contractors, freelancers, consultants and gig workers
- Flexible documentation like business cashflow or 1099s instead of tax returns
- Qualify with one year of income
Certainty Portfolio | Assets 2
- Assets qualify alone or to supplement other income
- Retirement, investment income, checking, savings, money market and inheritance are eligible
- Combining multiple assets can help you meet requirements
- For those with considerable assets but not showing employment income
Certainty Portfolio | Investor 3
- Qualify with cashflow, no tax returns required
- Provides quick cash so investors can grow their portfolio
- For short term rentals, condotels and more
- Up to 20 financed properties, can close with title to an LLC
Buy Before You Sell 4
- Make offers without having to sell your current home first
- Flexible requirements get you approved fast
- No need to qualify with two mortgages at once
Apply online
in minutes
Work with our expert team
to find the right loan for you
Secure your loan
and move forward with confidence
Certainty Portfolio loans can help if you:
✔Are self-employed — qualify with business cashflow or 1099s
✔ Invest in real estate — use property cashflow to get approved
✔ Have assets not income — combining assets can help you meet requirements
✔ Plan to buy before you sell — make offers without selling your home first
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. Restrictions may apply.
1 Available for owner occupied, second home or investment properties. Property type restrictions apply. 1099 and 12 month bank statement income qualification is available. Additional restrictions apply.
2 No liquidation is required to determine eligibility. Purchase as well as Rate and Term refinances are allowed on primary residences, second homes, and investment properties. Multiple qualifying income options are available for eligible borrowers. Additional Restrictions apply.
3 Eligible borrowers must have a minimum DSCR of one. Property type restrictions apply. Eligible for fixed and adjustable rate mortgages. Interest only payment options are available. Gift funds may be used for down payment and closing costs after the borrower has documented the minimum required borrower contribution.
4 Departing residence obligations assume an executed purchase contract. The borrower must either have a concurrent listing of their home or signed letter of intent to list the departing residence for sale within ninety days of closing on their new residence. Appraisal, FICO score, and minimum equity requirements apply. The marketing time indicated by the departure residence appraisal determines required reserve amount. Applicant subject to credit and underwriting approval. Restrictions apply