1. A Realtor’s Untapped Market: Non-QM
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

2. Outline Where Introduction What How One stop shop
What does portfolio mean exactly?
How can portfolio loans help you close more deals?
Where can you find portfolio borrowers?
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

3. 80% straight down the fairway, conventional, FHA loans
One stop shop
80% straight down the fairway, conventional, FHA loans
20% Portfolio products, non-traditional loans
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

4. What do portfolio products mean exactly?
2017
2017
2006
2006
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

5. One stop shop
Why does this matter?
Close just 3 more deals a year using Portfolio products and you can increase your commission by $54,000!
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

6. Are you losing out on closing deals because buyers are self-employed?
Sound familiar?
Are you losing out on closing deals because buyers are self-employed?
Quick scenario: Self-employed buyer makes $200K/year, credit score of 758. He writes off 75% of his income. Now he’s left with $50K trying to qualify for a jumbo loan…and he doesn’t qualify.
Because of our Bank Statement program, we approved the borrower for a $750K loan.
Buyer got the keys, seller got their proceeds and everyone went home happy!
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

7. Are you losing out on closing deals because buyers have credit issues?
Sound familiar?
Are you losing out on closing deals because buyers have credit issues?
Quick scenario: Client was forced to push the closing date back due to the IRS not clearing a tax lien.
The score dropped from a 684 to a 614 on a $424K loan. Most lenders would have to deny the loan as the minimum credit score is 620 for conventional financing.
Fortunately, we have Portfolio products for this exact scenario so we closed the loan!
Buyer got the keys, seller got their proceeds and everyone went home happy!
Read about a similar scenario in
The Wall Street Journal.
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

8. Sound familiar?
Are you losing out on closing deals because buyers had a recent credit event?
Quick scenario: Last week we closed on a $1,300,000 home for a family that was turned down by two other lenders due to a foreclosure that occurred 2 years ago.
Our Portfolio programs require as little as 1 day seasoning on foreclosures so we were able to originate, process and close in 21 days.
We enabled this grateful family to move into their dream home just in time to enjoy the summer.
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

9. Are you losing out on closing deals because buyers cannot qualify?
Sound familiar?
Are you losing out on closing deals because buyers cannot qualify?
Quick scenario: A buyer recently sold their multimillion dollar business. She started a new business less than two years ago and so when she tried to qualify for a loan, it was rejected since she didn’t have a long enough self-employment history. Her plans of moving into her dream home were almost derailed.
Because of our Asset Qualifier program, we approved the buyer and closed the loan.
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

10. Are you losing out on closing deals because buyers are investors?
Sound familiar?
Are you losing out on closing deals because buyers are investors?
Quick scenario: An investor is looking to purchase his 19th investment home. His prior funding was very costly because it was hard money with high rates and fees. He was unable to qualify for a mortgage using tax returns. After a rental analysis was completed, he was able to qualify using the Investor Cash Flow program.
The investor was able to purchase his 19th home.
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

11. Sound familiar?
We were able to save these deals because we work with these types of buyers:
Self-employed with significant write-offs
Credit scores below conventional/jumbo requirements
Recent credit events
Buyers with significant assets
Investor specific programs
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

12. Where can you find more portfolio borrowers?
Revisit any recent turndowns in your book of business
Builders and developers
Accountants, CPAs
Financial planners
Bankruptcy attorneys
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

13. Huge potential for closing more deals
956,864
Number of foreclosure filings last year*
15 million
Number of self-employed borrowers in the United States
680
50% of households have a credit score under 680
*Source: Statisticbrain.com
18 million +
Number of foreclosure filings since the financial crisis began in 2008
2 Years
Number of years of tax returns that conventional guidelines require
620
33% of households have a credit score under 620
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

14. Your clients can buy a home now—no waiting
Self-employed?
Asset qualification?
Investors?
Low credit scores?
Bankruptcy/Foreclosure?
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access:

15. Grow your business by utilizing Portfolio Products.
Insert contact information here.
Grow your business by utilizing Portfolio Products.
HighTechLending, Inc., DBA Bankers Financial Lending Center - Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ # , CA # , CO #7147, FL #7147, HI #7147, IL #MD , MD #21762, NC #L , NJ #7147,NM #7147, NV #4517, GA #5300 OR #ML4386, PA #4982, TX #7147, UT # , VA #MC-5962, WA # Main Street #350, Irvine, CA NMLS Consumer Access: