Self-Employed
What is a portfolio loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A portfolio loan is one the lender keeps on its own books rather than selling to Fannie Mae or Freddie Mac. Freed from agency rules, the lender sets flexible guidelines for unique borrowers and properties.
They're useful for jumbo borrowers, complex self-employed income, or unusual Florida properties that don't fit standard boxes. Terms vary by lender. We'll find the portfolio product that matches your situation.
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