The Rate Portfolio Loan
Been told you can't buy a house because you write too much off? Business owners, 1099 earners, and entrepreneurs - there's a better way to qualify.
How the Portfolio Loan works for you:
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You've Been Told "You don't qualify" Before
Maybe your taxable income was "too low." Maybe you were told your business structure doesn't work. Maybe a bank looked at your tax returns and said no — even though you're making great money.
"My accountant saves me a fortune on taxes, but now I'm being punished for it when I try to buy a home."
Here's what traditional banks don't tell you: your tax returns don't have to be the only way to prove your income. You've been playing by the wrong rules — and there's a loan built specifically for people like you.
Find Out If You Qualify
Your Income is real, Now your loans can be too.
The Rate Portfolio Loan was built for business owners, 1099 earners, and entrepreneurs who traditional banks don't understand. We look at how you actually make money — not just what your tax return says.
- -Qualify using bank statement deposits (12 or 24 months)
- -Use a Profit & Loss statement instead of tax returns
- -Take advantage of the tax code instead of being punished for it
- -Flexible options for LLCs, S-Corps, sole proprietors, and more
No more hearing "your taxable income is too low." No more losing homes because your business is structured differently.
Get Your Portfolio Loan DetailsSimple. Fast. Built for You
Getting approved with a Portfolio Loan is straightforward. Here's the process:
Check Your Eligibility
Answer a few quick questions about your business income and homeownership goals. Takes about 2 minutes.
We Review Your Real Income
We look at your bank deposits, P&L, or other flexible documentation — not just your tax returns. We see the full picture.
Get Pre-Qualified Your Way
Not ready yet? No problem. Join our list to get updates and helpful tips about buying your first home when the time is right.
This Is Not a Loan Application
Just filling out the questionnaire won't pull your credit or commit you to anything. Here's what to expect:
No SSN Required
We don't need your social security number to have this conversation.
Zero Credit Impact
Nothing we do here will show up on your credit report.
No Obligation
Get the details on the Portfolio Loan program. No pressure to move forward.
See if the Portfolio Loan is right for you
Fill out our quick questionnaire. Takes 2 minutes. No commitment.
Your information is never sold No SSN required Zero impact to credit
Business Owners Deserve A better way To Qualify
I'm Sebastian Bolivar with Rate, and I've seen it too many times — hard-working business owners getting denied because their tax returns don't "look right" to traditional lenders.
But here's what I know: your bank deposits tell the real story. Your P&L shows the real picture. And our Rate Portfolio Loan was built to use that real picture to get you approved.
If you're ready to buy a home with a lender who understands how you actually earn money — I'll help you get approved the way you truly make money.
See What Our Clients Say
Ready to Buy a Home the Way You Actually Earn?
Fill out the questionnaire and get all the details on the Rate Portfolio Loan.
Get Started Now
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate, Inc. for current rates and for more information.
Guaranteed Rate, Inc. DBA Rate cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Rate for more information.
This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.
Guaranteed Rate, Inc. DBA Rate; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender.
Sebastian Bolivar NMLS ID: 1784032 - www.nmlsconsumeraccess.org
Guaranteed Rate, Inc. DBA Rate; NMLS #2611 3940 N. Ravenswood Chicago, IL 60613 - (866) 934-7283