Home Loans: Portfolio Loans

Finlay Financial Corporation (FFC)

Portfolio loans are loans which are often held in an investor's "portfolio" and, therefore, do not necessarily conform to standard underwriting guidelines. Portfolio loans are more liberal in underwriting and are usually priced according to the risk assumed by the investor. When one hears that there is a loan for everyone, no matter your income, credit history and/or equity in the property, these are the loans being described. Some typical portfolio loans are listed below. If you don't see what you're looking for, just call.

Eagle 40/60 - Home Improvement & Debt Consolidation

Loans to $75,000, are 40% home improvement (minimum) and 60% debt consolidation (maximum). Up to 10% of the loan amount may be cash in your pocket. Unlike the FHA Title One, the Eagle 40/60 can be for any purpose, including a swimming pool and/or spa (to $50,000). It is available on owner occupied single family homes, condos, PUDs and manufactured homes on a permanent foundation.

Eagle 40 - Debt Consolidation and/or Consumer Asset Purchase

Up to 125% of your home's value on loans from $15,000 to $40,000 (and in some cases up to $50,000) for terms up to 25 years. Available to owners of single family homes (no condos or manufactured homes).

Second Trust Deed Loans

From Investors who sell to Fannie Mae (best pricing) to Hard Money specialists (worst pricing), there are a number of second trust deed loans available. Call today to find just the right Second to meet your needs.

Homeowners in Foreclosure

When times get tough and your current lender has filed a "Notice of Default", you will receive an avalanche of mail advising you to file bankruptcy or to deed over your house to someone who claims to solve your problems without affecting your credit rating while avoiding capital gains tax due the IRS. These "easy" solutions can have devastating results! Let our foreclosure refinance specialist try and help you keep your home. Call today.

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