Portfolio Mortgage Loans in NJ & NY | Flexible Home Financing | Golden Mortgage

Flexible Financing for Unique Borrowers | Golden Mortgage Corporation

Looking for a mortgage that doesn’t fit the traditional mold? At Golden Mortgage Corporation, we broker portfolio mortgage lending solutions designed for borrowers who need flexible underwriting, non-conforming loan structures, or have non-traditional income sources. As a trusted licensed mortgage broker in New Jersey and New York, we understand that not every borrower fits inside the box—and with portfolio lending, you don’t have to.

 

What Is a Portfolio Mortgage Loan?

A portfolio loan is a type of home loan that Lenders do not sell to secondary market investors like Fannie Mae or Freddie Mac. Instead, Lenders keep it “in-house” in their lending portfolio. This gives us the freedom to approve mortgages using Lender guidelines, allowing for more customized solutions for our clients.

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Who Benefits from Portfolio Lending?

Our Lenders portfolio mortgage programs are ideal for:

  • Self-Employed Borrowers
    Use alternative income documentation, including bank statements or P&L statements.

  • Real Estate Investors
    Finance multiple properties, mixed-use buildings, or fix-and-flip investments.

  • Foreign Nationals & New U.S. Residents
    No U.S. credit history required in many cases. 

  • Work History:  Two (2) year work history in US not required. Must verify income and assets 

  • High Net-Worth Individuals
    Use asset depletion or unconventional income streams to qualify.

  • Borrowers with Past Credit Issues
    Recent bankruptcy, foreclosure, or short sale? A portfolio loan may still be an option. See our Second Chance loans.

  • Non-Warrantable Condos or Unique Property Types
    Properties that don’t meet agency guidelines can often be financed through a portfolio program.

Key Features of Golden Mortgage Portfolio Loans

  • Loan amounts up to $5 million+

  • Flexible debt-to-income (DTI) ratios

  • Credit scores as low as 620 (lower on case-by-case basis)

  • Interest-only, adjustable-rate, or balloon options available

  • Primary residences, second homes, and investment properties eligible

  • Available in Bridgewater, Basking Ridge, Bedminster, and surrounding NJ/NY communities

Why Work with Golden Mortgage Corporation?

As a local broker licensed in New Jersey and New York, we provide:

  • Personalized service

  • Access to exclusive portfolio lenders

  • Fast pre-approvals

  • Deep expertise in complex loan scenarios

Whether you’re a self-employed entrepreneur, a real estate investor, or someone rebuilding credit, our Lenders portfolio mortgage programs are designed with your needs in mind.

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Start Your Portfolio Mortgage Application Today

Ready to explore your mortgage options beyond traditional lending? Contact Golden Mortgage Corporation today to learn how a portfolio loan can help you buy, refinance, or invest—on your terms. Call toll free 877-539-1697.

Serving Bridgewater, Basking Ridge, Bedminster, and all of NJ & NY

Apply Now!