The HomePort program

An alternative path to qualifying

Financing for borrowers whose financial strength is real but doesn’t appear on a conventional income statement. HomePort qualifies on assets and overall financial position rather than employment and pay stubs.

What it is

Underwriting that reads the whole picture

Conventional mortgage underwriting establishes your income from tax returns and pay stubs, then tests your debts against that figure. It’s efficient, consistent, and works well for a salaried borrower with a predictable employer.

It handles everyone else poorly. Business owners show a fraction of what they earn after legitimate deductions. Investors hold wealth in appreciating assets rather than a paycheque. Foreign nationals arrive with real capital and no domestic credit history. In each case the file looks thin while the borrower is anything but.

HomePort replaces the income calculation with an assessment of financial strength and leaves the rest of the underwriting process intact.

No traditional employment or income documentation is required. Your asset position becomes the primary evidence that you can carry the loan, weighed alongside your credit profile and equity contribution. Credit review, appraisal, title, disclosures, and closing all work as they would on any mortgage from a licensed lender.

Program terms

HomePort at a glance

The guidelines that apply across the program.

Loan amount

Up to $3,000,000

Jumbo lending above conforming limits, where agency overlays no longer apply.

Maximum LTV

70%

The loan can cover up to 70% of value; the balance is your equity contribution.

Minimum FICO

700

Alternative income documentation is not an alternative to a strong credit profile.

Income documentation

Minimal / nontraditional

No traditional employment or income documentation required. Assets, credit, and financial position are still verified.

Occupancy

Primary or second home

Homes you’ll occupy. Investment and rental property run through separate products.

Loan purpose

Purchase or rate / term refinance

Cash-out availability to be confirmed with a loan officer.

Eligibility

Foreign nationals & assets

Eligible foreign nationals are covered, and documented assets can establish qualifying strength.

Designed for

Three kinds of borrower

The program was built around situations where financial strength and documented income don’t match.

High-net-worth clients

Substantial assets and a strong financial position, with a modest reported income line. Wealth held in investments, holdings, and reserves rather than arriving as a monthly salary.

Self-employed borrowers

Business owners whose true income is difficult to represent through traditional pay-stub or W-2 underwriting, because legitimate deductions leave a tax return that understates what they actually earn.

Eligible foreign nationals

Qualified international buyers with verifiable assets and a serious equity contribution, seeking a financing path suited to their circumstances and asset profile rather than a long US credit history.

Ready when you are

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