What Is a Portfolio Loan?
Ever heard of a portfolio loan?
It’s a powerful option—especially when traditional loans like FHA, VA, or conventional don’t quite fit your situation.
🧠 Here’s the difference:
A portfolio loan is a loan that the bank keeps in-house. That means:
✅ The bank is lending its own money
✅ The loan won’t be sold on the secondary market
✅ The bank sets its own rules—including credit, down payment, and income flexibility
📌 These are often used for niche situations, like:
• Doctors or medical professionals
• Self-employed borrowers• Unique properties or loan structures
• Situations that don’t meet typical underwriting guidelines
If you’ve been told “you don’t qualify” for a standard loan, a portfolio loan might be your answer.
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