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FAQs

What is HomePort, and who offers it?

HomePort is a lending program for borrowers whose financial strength doesn’t show up on a conventional income statement — high-net-worth clients, self-employed borrowers, and eligible foreign nationals. Rather than qualifying on tax returns and pay stubs, it weighs your asset position and overall financial picture.

It’s a retail program offered through AAA Capital Investment, Inc., an independent mortgage lender. Justin Druian, NMLS ID #2262787, is the loan officer for the program.

No. HomePort is a fully underwritten mortgage from a licensed lender, subject to credit approval, property appraisal, and standard underwriting guidelines. What differs from a conventional loan is the evidence used to establish that you can carry the payment — not the rigour of the review.
The program is built around minimal or nontraditional income documentation rather than conventional tax-return-based qualification. That doesn’t mean no documentation at all your assets, credit, and financial position are all verified. It means the qualifying decision doesn’t rest on two years of returns read at the net figure after deductions. Exactly what’s required depends on your situation, and a loan officer will confirm the specifics for your file.
Not the way they would conventionally. Standard underwriting reads your tax return at the net figure, which understates what many business owners actually earn. HomePort assesses your financial position instead, so legitimate deductions don’t suppress your qualifying picture in the same way.
Documented assets are treated as primary evidence of your ability to carry the loan, rather than as a background reserve check. Your credit profile and the equity you’re contributing are weighed alongside them.
The program’s minimum credit profile is 700. If you’re close to that line it’s still worth asking rather than assuming a loan officer can tell you quickly whether it’s workable.
Program guidelines run to a maximum loan amount of $3,000,000, with a maximum loan-to-value of 70% — meaning the loan can cover up to 70% of the property’s value, with the balance coming from your equity contribution. What you personally qualify for depends on your assets, credit profile, and the property.
Homes you’ll occupy a primary residence or a second home. Rate and term refinances are within guidelines alongside purchases. Investment and rental property fall outside HomePort and run through separate products with different guidelines. If that’s what you need, a loan officer can point you toward the right one
Eligible foreign nationals are one of the three groups the program was designed for. Qualification is based on your asset profile and documented financial position rather than a long US credit history. Expect source-of-funds documentation to be reviewed carefully that’s a legal requirement on every cross-border purchase, not a reflection on you.
Pricing depends on your credit profile, loan-to-value, loan purpose, property type, and loan amount, so a meaningful figure has to be quoted against your actual scenario rather than published as a single number. Loans that qualify outside conventional guidelines are generally priced differently from agency loans. If you can comfortably document income the conventional way, compare both routes before deciding. If you can’t, the relevant comparison isn’t against a conventional rate it’s against not being able to buy the property.
No. Getting in touch to discuss a scenario is a conversation, not an application, and it doesn’t involve a credit check. There’s no fee and no obligation. A credit review only happens later in the process, with your knowledge and permission.
Usually within one business day. Enquiries sent over a weekend are picked up Monday morning. If you’re working to a contract deadline, say so in your message urgent files are read first.
Nothing at all to start a conversation a rough outline of your situation is enough for a first read. As a file progresses, expect statements evidencing your assets and reserves, identification and residency documents where relevant, a credit review, property details, and evidence of funds for your equity contribution.
A previous decline is a common starting point mention it along with the stated reason. A decline on income documentation points toward a very different conversation than one on credit or appraisal, and if the first was your reason, the program may be a direct fit. If your scenario doesn’t fit HomePort, you’ll be told directly, with the reason, rather than left waiting on a maybe. A fast no lets you place the file elsewhere while there’s still time on the clock.

Through the contact form, by email, or by text. There’s no agreement to sign before a first read, no portal login, and no minimum number of files one scenario is as welcome as ten.

For a first read, include: estimated credit score, approximate liquid and total assets, purchase price or property value, the equity contribution, occupancy, and property location. Helpful if you have it: the target closing date, the nature of the borrower’s income, citizenship or visa status on foreign national files, and where the file has already been declined and why.

Still have a question?

Describe your situation and a licensed loan officer will answer directly usually within one business day. No application, no credit check, no obligation.
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Text (805) 870-8878