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Updated over 5 years ago on . Most recent reply

Toan Hoang's profile image
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Toan Hoang
  • Member since Sep 2, 2018
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Toan Hoang's profile image
Toan Hoang's profile image
Toan Hoang
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Toan Hoang
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Mortgage Brokers & Lenders

What is a portfolio loan/ lender?

Toan Hoang
Posted
To date all my loans have been conventional loans using a mortgage broker. I have heard this term (portfolio loan) on BP but not quite sure how it differs from other loan types. Is the interest rate the same? Qualifications similiar? Lastly does anyone know of these lenders in the Philly / S Jersey area? Any input is appreciated
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Bob Okenwa
  • Real Estate Agent/Investor
  • from Peoria, Arizona
  • Member since Dec 10, 2016
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Bob Okenwa
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  • from Peoria, Arizona
  • Member since Dec 10, 2016
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Bob Okenwa
  • Real Estate Agent/Investor
  • Peoria, AZ
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Bob Okenwa
  • Real Estate Agent/Investor
  • Peoria, AZ
Replied

@Toan Hoang

A portfolio loan is a loan that the lending institution keeps on its books (in it's portfolio), rather then selling to Fannie Mae. These kinds of loans do not need to adhere to Fannie Mae standards and can have terms that may be a little more flexible.

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