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A Portfolio Mortgage Loan is a mortgage loan that isn’t sold to a third party. Instead, it is held in the lender’s own portfolio and serviced by that lender. Because the lender uses their own private money and will be servicing the loan for the life of the loan, they can have more flexibility with the underwriting.
My company has an exclusive relationship with a local PNW portfolio lender. The lender has competitive rates and allows for as little as 3% down and a credit score down to 640 without negative pricing adjustments for credit. Reach out to me to figure out of this program is a good option for your purchase!