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Home  /  Loan Products  /  Portfolio Loans

Portfolio Loans

When your file deserves a real conversation, not a checkbox.

A portfolio loan is a mortgage the lender keeps on its own books instead of selling to Fannie Mae or Freddie Mac, which allows flexible, common-sense underwriting for borrowers who do not fit a standard mold.

Best for
Borrowers with strong finances but non-standard circumstances: investors, the self-employed, and complex income.

Why choose a portfolio loan?

Because the lender retains the loan rather than selling it, portfolio programs are not bound by rigid agency guidelines. That means real underwriters can weigh the full picture: assets, history, property, and intent. It is the right tool when a strong borrower simply does not fit the conventional template.

Who benefits most from portfolio lending?

Real estate investors expanding a holdings count, self-employed borrowers with layered income, and buyers with unique assets often find a home in portfolio programs. As a banker and broker, High Place Mortgage can place these files where they will actually get approved.

Key features

  • Flexible, common-sense underwriting
  • Solutions for investors and the self-employed
  • Considers your complete financial picture
  • Useful when agency guidelines say no
  • Structured around your real circumstances
Questions, Answered

Portfolio Loans
FAQ

Still have a question? Our team answers the phone, every time, and walks you through the details.

A conventional loan must meet agency guidelines to be sold to Fannie Mae or Freddie Mac. A portfolio loan is kept by the lender, so the rules can flex to fit a strong but non-standard borrower.
Pricing reflects the added flexibility, but for borrowers who would otherwise be declined, a portfolio loan is often the difference between closing and not closing.
Yes. Portfolio programs are popular with investors who have outgrown the property limits of conventional financing.
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