Portfolio Loans

A portfolio loan is a mortgage loan originated by a bank and held in the bank’s portfolio over the life of the loan.

A portfolio loan:

  • is an option for loans that don’t fit within the guidelines of one of the above products
  • is held “in-house” with one of our lenders, therefore allowing for some flexibility with Freddie Mac and Fannie Mae guidelines
  • typically has a higher interest rate than conventional loans

If you have additional questions about getting portfolio loans in Vermont or want to find out if you qualify for a portfolio loan, please contact us.