At Banc Home Loans, you can now benefit from flexible programs for non-traditional loan scenarios. This includes Portfolio Lending Programs, built specifically for borrowers with non-traditional lending needs, such as self-employed clients and clients with unique financing scenarios.

  • Standard Documentation Program
  • Alternative Documentation Programs
    • 1-year Tax Return
    • 12-month Bank Statement
    • Asset Income
  • Expanded Criteria Loan Program
  • Home Equity Line of Credit (HELOC) Program

Loan brokers and other loan professionals can view program details at our Portfolio Lending website located at

NOTE: Not all applicants will qualify. These Programs may have a higher interest rate, more points or more fees than other Programs requiring documentation. Minimum FICO, reserve and other requirements apply. Programs may not be available in all states. Contact your Loan Officer for additional program guidelines, restrictions and eligibility requirements. Rates, points, APRs and programs are subject to change at any time without notice.