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Wintrust Mortgage’s Portfolio Loan Program offers a larger selection of loan options with more flexibility than a traditional mortgage.1 Unlike a qualified mortgage, limited to 43 percent debt-to-income ratio, portfolio loans may allow for up to 50 percent with compensating factors including a higher credit score. Wintrust Mortgage offers competitive rates and mortgages with up to 80 percent loan-to-value ratio for loans up to $1.5 million for both conforming and jumbo loans for well-qualified consumers. These loans are more lenient with credit scores and offer 100 percent gift down payment options.
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1 The Portfolio Loan Program is available to consumers who otherwise don’t qualify for another mortgage program.
Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank and Trust N.A., NMLS # 449042.
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Do you have an unexpected cost? A project you've been putting off for a while? Or, are you looking for a tool to help repair your credit? We've got the personal lending tools for you.
We understand your financial picture today may not be the same one tomorrow. As your mortgage needs change, we offer flexible refinancing options to support your goals.