With more than 15 years experience as mortgage professionals we have developed an uncommonly rich, in-depth knowledge of the industry. We move swiftly and efficiently and possess the tools to make sure your loan goes through to your satisfaction regardless of market conditions. We are committed to offering our clients unique options and programs that they may not be aware exist. We want our clients to be well informed and at Portfolio Financial we maintain a steadfast dedication to that goal.

We have secured a unique network of over 50 lending institutions each offering an array of outstanding products. Your single application gives you access to all major banks. You are not limited to products only featured at your local bank. Best of all it never costs you more. We have a limitless supply of programs, including loans to $10 million, 100% financing, no income and no assets verification, investor loans, equity lines, construction and special programs for impaired credit. Please see our Sample Programs for further details as well as a partial list of our lending sources.

By obtaining quick approvals and rate locks, we give our clients a competitive edge that is especially important in a fast-paced market, where properties move quickly.

Purchasing? While you're caught up in the excitement of purchasing your next home, you can depend on us to provide the clear thinking needed to handle all the details of the mortgage financing.

Refinancing? Confused by rates and offers? We help you determine which program is right for your needs and give you intelligent, unbiased pricing choices. With our broad lender network, you can rest assured that our rates are the absolute lowest available and priced right.

The Portfolio Difference is a commitment to provide our clients exceptional personal service with customized programs that fit their needs. That commitment includes doing everything in our power to provide the best rates, lowest costs, and assurance of a smooth, convenient transaction. We have built our success on referral business. Service and client satisfaction are paramount at Portfolio Financial. We look forward to earning your business.

~ Oscar Bustamante, president