HomePort Program

Financing built for assets, not pay stubs.

HomePort is an alternative qualification path for high-net-worth clients, self-employed mortgage professionals, and eligible foreign nationals whose financial strength doesn’t show up on a conventional income statement.

$3M

Maximum loan amount

70%

Maximum LTV

700+

Minimum FICO

No

Traditional income docs required

Program terms

HomePort at a Glance

Loan amount
Up to $3,000,000
Maximum LTV
70%
Down payment
30%
Minimum credit profile
700+
Income documentation

Minimal / nontraditional

Occupancy
Primary or second home
Eligibility

Foreign nationals & assets eligible

Rates starting at

6.625%

APR may vary. Subject to pricing. Retail only.
Sample scenario: FICO 740+, LTV ≤ 60%, rate/term refinance, primary home, single-family residence, loan amount ≤ $2.0M, impound account.

Rates, terms, and qualification are subject to pricing, credit approval, and standard underwriting guidelines. Terms and conditions apply.

national buyer

Who it's for

Built for borrowers the standard file doesn't fit

HomePort exists for clients whose assets tell a stronger story than their tax returns.

money-growth

High-net-worth clients

Mortgage professionals with substantial assets and a strong financial position who don't fit a conventional income-documentation file.

employment

Self-employed mortgage professionals

Business owners whose true income is difficult to represent through traditional pay-stub or W-2 underwriting.

international-consumer

Eligible foreign nationals

Qualified international buyers seeking a financing path suited to their circumstances and asset profile.

How it works

A simplified underwriting approach

HomePort trades traditional income paperwork for a streamlined, asset-driven review.

Share the scenario

A loan officer reviews the mortgage professionals asset picture, credit profile, and property goals.

Alternative qualification

Underwriting weighs financial strength and assets instead of conventional income documentation.

Flexible structuring

Occupancy, loan amount, and LTV are structured around the mortgage professionals actual position.

Fast path to close

A streamlined file moves faster than a conventional one, built for time-sensitive purchases.

Ready when you are

Do you have a client who needs HomePort?

Send over the scenario asset picture, credit profile, and property goals and a HomePort loan officer will follow up directly, usually within one business day.

Mortgage professional notice.

HomePort is a retail lending program offered through AAA Capital Investments, Inc. and is intended primarily for mortgage professionals. If you’re a borrower interested in this program, a licensed loan officer is glad to hear from you directly see contact details below.

Have a client — or a scenario of your own?

Whether you’re a mortgage professional with a client in mind or a mortgage who thinks HomePort fits your situation, reach out to discuss the details.

Justin Druian

NMLS ID #2262787

Email

justin.druian@AAAlendings.com

Email

justin.druian@ AAAlendings.com

Phone

(805) 870-8878

Sponsored by AAA Capital Investments, Inc. — Real Estate Broker, California Department of Real Estate.
NMLS ID #2687222 ·
California DRE 60DBO-158213 ·
California DRE 1835649.
Equal Housing Lender. All loans subject to credit approval and standard underwriting guidelines.

Send us your scenario

A loan officer will follow up directly usually within one business day.

Inquiry Form