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