Portfolio Loans
A portfolio loan is a specialized mortgage that does not conform to traditional lending guidelines and is held by the lender rather than sold on the secondary market. This allows for more flexible underwriting, making it ideal for self-employed borrowers, investors, and those with complex financial situations.
Who Can Qualify?
- Self-employed borrowers or those with non-traditional income sources
- Real estate investors purchasing rental or multi-unit properties
- Individuals with higher debt-to-income (DTI) ratios than conventional loan limits allow
- Borrowers with recent credit events like bankruptcy or foreclosure
- Homebuyers seeking jumbo loans or foreign national financing
Find the Right Portfolio Loan For You
Customized mortgage solutions for borrowers who don’t fit into traditional lending guidelines. Explore the different portfolio loan options below to find the right financing for your needs.
Loan Insights & Guides
Explore our expert-backed guides on loan options, home financing, and neighborhood insights to help you make informed decisions with confidence.
What Your Escrow Account Pays For
By Sean Hill | NMLS #1832670 | Last updated: September 7, 2026 Here’s your escrow account explained in
September 11, 2026
A Breakdown of Closing Costs When Buying a Home
By Paul Holzmeyer | NMLS #2508718 | Last updated: August 26, 2026 Closing costs when buying a house
August 28, 2026
How Down Payment Assistance Programs Work
By Corey Tressler | NMLS #1767005 | Last updated August 20 2026 Down payment assistance programs cover some
August 21, 2026