Investor loans
Portfolio Lending
Flexible non-agency financing under lender-specific guidelines, for strong borrowers with scenarios that don’t fit standard boxes.
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Portfolio Lending at a glance
Flexible underwriting
Guidelines set by the lender, not agencies.
Complex scenarios
For situations standard programs don’t fit.
Unique properties
Properties outside typical eligibility.
Larger transactions
Bigger loan amounts considered.
What is portfolio lending?
Portfolio lending is financing a lender keeps on its own books, under guidelines it sets itself. Because the loan isn’t sold to an agency, underwriting can be tailored to the scenario.
That makes it a path for strong borrowers with unusual properties, larger transactions, or structures that don’t fit standardized guidelines.
01
Unique scenario
02
Lender-specific review
03
Tailored financing
When portfolio lending may make sense
When the scenario is strong but non-standard.
01Non-standard scenarios
Strong borrowers outside agency boxes.
02Unique properties
Homes that don’t fit typical eligibility.
03Larger loans
Transactions beyond typical limits.
04High-net-worth
Borrowers with complex, substantial transactions.
Example scenario
See how it could work
The scenario
A strong borrower with a unique property.
The review
Underwriting set by the lender.
The structure
Terms tailored to the transaction.
The result
Financing standard programs couldn’t provide.
Illustrative example only. Actual financing structure, terms, eligibility, and availability vary.
Frequently asked questions
Ready to explore your options?
Build your scenario and see whether Portfolio Lending or another mortgage solution may be worth exploring.
Program recommendations are informational until reviewed by an appropriately licensed mortgage professional. All loans are subject to credit and property approval; terms, eligibility, and availability vary.