Community Reinvestment Lending

Community reinvestment lending image

Making Home Ownership a Real Possibility 

Our Portfolio CRA program presents a viable option for those who desire home ownership, but may not be eligible for other, more conventional lending options. The Portfolio CRA home loan program can also benefit current homeowners who meet the required income limits with savings, flexibility, and favorable terms.


  • Purchase or rate/term refinance
  • Maximum loan amount $484,3501
  • Private mortgage insurance may not be required, based on borrowers’ creditworthiness2
  • Tradeline requirements3
  • Down payment requirements as low as 3%
  • Minimum of 2 months PITIA5 reserves after down payment


  • 1-unit primary residences
  • Planned unit developments (PUDs), Condos6
  • Non-warrantable condominiums7

1Super conforming loan limits allowed in eligible counties 2FICO credit score 680 and above. 32-3 active tradelines required depending on LTV with no late mortgage payments.4Eligible sources of down payment include: borrower funds, gift funds and down payment assistance programs. 5Principal, Interest, Taxes, Homeowners Insurance, Association Dues. 6Warrantable to Fannie Mae Guidelines. 7Maximum LTV is the lesser of 80% or the LTV as specified by the loan program. Program available in AZ, CO, ID, KS, MI, MO, NM, TX and WA.  Consult your Guardian Mortgage loan originator for details.  Certain terms and restrictions apply.  Program available only to qualified borrowers.  Program subject to change without notice.  Underwriting terms and conditions apply.  Loan subject to credit review and approval.