Portfolio Loans

A portfolio loan is a loan held in-house by the lender.

  In many cases, loans that are issued by lenders are packaged together with other loans and sold to the secondary market.  With a portfolio loan, the lender that initially started the loan will hold the loan in their investment portfolio.

The benefit to a portfolio loan is that often the borrower can go a little outside of the guidelines if the lender feels there is a safe risk.  Typically a portfolio loan does require a stronger credit borrower.

Got questions?

Ready to get started?

Loan Calculator

monthly payment calculator

Mortgage News

Home Buying – Eight Tips to Help You in 2016-2017

The housing market has been relatively steady this year, with rates being quite low and manageable. However, home buying is still a long and bumpy road. We here at Vermont Mortgage Company aim to make home buying a simple and easy process, so we've done our research...

US Election 2016 Market Reaction – Uncertain and Unpredictable

In light of the results of the recent US Election, the market has had time to react to the new presidency. Donald Trump was always the wild card, making many investors weary of his policies, since there hasn't been many specific plans set. It was predicted that the...

Should You Rent or Should You Buy a Home in Vermont?

If you’ve been looking to buy a home in Vermont, the question of renting or buying has most likely shown up at least once. We here at Vermont Mortgage Company get this question a lot, and we hope this blog will help! Many will speak for either side, for each has their...