Our Speciality programs (also known as Portfolio programs) are specifically designed to help qualified individuals who may not be eligible for other loan programs due to credit requirements. The programs are available for both FHA and VA loans. These unique loan programs can be used to:
  • Lower your interest rate
  • Lower your monthly mortgage payment (By refinancing your existing loan, your total finance charges may be higher over the life of the loan.)
  • Switch into a Fixed-Rate loan program
  • Modify your existing loan term
 
VA Portfolio Program
 
In addition to offering reduced credit score requirements, the VA Portfolio program allows for:
  • Rate & Term refinances up to 100% of the value of your home
  • Cash-Out refinances up to 100% of the value of your home*
  • Purchase mortgages up to 95% of the value of your home
*Max cash-out of $5,000 for scores below 620. Max cash-out of $25,000 for scores of 620 and above.
 
 
FHA Portfolio Program
 
In addition to offering reduced credit score requirements, the FHA Portfolio program allows for:
  • Rate & Term refinances up to 95% of the value of your home
  • Cash-Out refinances up to 85% of the value of your home
  • Purchase mortgages up to 95% of the value of your home
 
 
 
 
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You can trust your
Reliance First Capital
mortgage analyst because they've been put through rigorous testing and background checks by the Federal Government, State Governments and by our organization. Also, every one of our mortgage analysts are registered with the National Mortgage Licensing System (NMLS).
 
In addition, any information collected by our mortgage analysts are entered into and kept in our secure password-protected proprietary loan origination system, so you can be sure your information is safe.
 
Finally, you can verify our company by visiting:
 
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