Balance-sheet lending for complex files — asset depletion, pledged assets, trust and entity vesting, recent-exit income. When the form doesn't fit, the file gets argued.
Russell Petty, Real Estate Agent
Empire Home Loans
Phone: (555) 555-5555
Email: [email protected]
NMLS# 7206
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
Balance-sheet lending for complex files — asset depletion, pledged assets, trust and entity vesting, recent-exit income. When the form doesn't fit, the file gets argued.
Private Client Group — Residential Finance
Est. 2009 ·
Program № 02 — Portfolio Lending
Portfolio loans are held on the lender's own balance sheet rather than sold to the agencies — which means the underwriting can be argued, not merely submitted. For balance sheets that are strong but unconventional, this is usually where the yes lives.
A lender who keeps the loan reads the whole story. That single fact changes everything downstream.
Both routes are priced in every strategy memo — sometimes the boring one wins, and we say so.
Adjacent reading
Bring the same file here. If the story holds, we will find the desk that reads it — and if it doesn't, you will hear that plainly too.
Considered finance, for considerable homes.
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Payment figures shown anywhere on this site are illustrative only and are not an offer of credit, a rate quote, or a commitment to lend. All lending subject to underwriting and program guidelines.