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.

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