Nevada Loan Options
Nevada Portfolio Loan Programs
Pacific Home Loans presents a diverse range of Portfolio Loan Programs tailored for Primary Residences, Second Homes, and Investors in Nevada.
Portfolio Loans, commonly offered through local banks and credit unions, leverage deposited funds to extend loans. These institutions retain the loans as part of their “portfolio” and handle loan servicing. Pacific Home Loans has maintained enduring lending relationships with local banks since 2007, ensuring personalized service and seamless transactions for our clients.
In addition to local banks and credit unions, Pacific Home Loans collaborates with several Hedge Fund portfolio funding sources to provide alternative funding options for Portfolio Loans in Nevada.
Explore our Portfolio Loan Programs today and discover financing solutions designed to meet your unique homeownership and investment needs in Nevada.
Some Benefits of a Portfolio Loan:
Lending Capability:
Pacific Home Loans provides Portfolio Loans that offer affordable financing options for various property types, filling gaps that might not be covered by conventional loans. These loans typically have more flexible underwriting requirements compared to government-sponsored loans such as Fannie Mae, Freddie Mac, FHA, VA, and USDA.
We offer Portfolio Loans for the following property types in Nevada:
- Land
- Construction to permanent
- Non-warrantable Condo
- Condotel
- Jumbo
At-a-glance features:
- Conventional and Jumbo loan amounts
- Minimum FICO 620
- Maximum Debt-To-Income ratio up to 50%
- As low as 20% down payment
- Terms and conditions subject to change based on borrower, property, and scenario.
- No Prepayment Penalty for Primary Residence and Second Home Loans; however, some investors may offer lower rates with a prepayment penalty.
- 75% of monthly rental income can be utilized on Investor loans.
- Fixed and adjustable rate options available for Canadian and other Foreign-National borrowers.
Explore our Portfolio Loan options to find the financing solution that best suits your Nevada property needs.
Call Pacific Home Loans at 1-866-389-2778 to learn more about our Portfolio Programs that allow:
- Short-term Rental Income to be used for Qualifying
- Investors to use Gift Funds
- Co-buyers that are not on the loan to contribute to the down payment and closing cost.
Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.
