Portfolio Loans

Flexible mortgage solutions when conventional lending falls short

Not every borrower or property fits the traditional mold. That’s where portfolio loans come in—custom mortgages that allow lenders to go beyond standard guidelines. At CTC Mortgage, we specialize in connecting borrowers with portfolio mortgage lenders who keep loans in-house, offering flexibility on everything from property type to borrower qualifications. Whether it’s a complex financial situation or a non-conforming home, we help you find a smart path forward.

What are portfolio loans?

A portfolio loan is a mortgage that a lender keeps in its own investment portfolio rather than selling on the secondary market. Because these loans are not bound by Fannie Mae, Freddie Mac, or FHA guidelines, lenders can make decisions based on their own risk assessments. That means portfolio loans can be tailored to fit borrowers with unique situations or properties that fall outside the typical approval box.

When to consider a portfolio mortgage

Portfolio loans are ideal in scenarios where traditional financing isn’t a good fit. You might benefit from this approach if:



• You’re purchasing a non-conforming property like a tiny home, mixed-use space, or rural land
  
• Your credit history or income structure is outside of typical underwriting standards
  
• You’re combining multiple properties under a blanket loan
  
• You’re a foreign national or recent U.S. arrival without domestic credit
  
• You need flexible loan terms or want to close in an LLC
  
  

Even some jumbo loans fall into this category—especially those with low down payment options or custom structuring.

Flexible features of our portfolio lending programs

Every portfolio loan is different, but many offer benefits like:



• Custom loan terms and amortization schedules
  
• Interest-only options for lower monthly payments
  
• Higher allowable debt-to-income ratios
  
• Approval for borrowers with recent credit events
  
• Willingness to finance properties that don’t meet conventional requirements
  
  

CTC Mortgage works closely with portfolio lenders that specialize in custom-fit mortgages. We advocate for your case and structure terms that align with your goals—even if other lenders have said no.

Real-world portfolio loan examples

Portfolio mortgages open the door for deals that would otherwise fall through. Here are a few real examples:



• A buyer purchased a home on over 40 acres of agricultural land, which exceeded standard lending acreage limits
  
• An investor financed a mixed-use building with commercial space and a residential unit above
  
• A borrower with limited U.S. credit history qualified through a foreign income and asset profile
  
  

These scenarios required creativity and flexibility—something portfolio mortgage lenders are uniquely positioned to offer.

Our process for non-conforming loans

If you’ve been told your situation is “too complicated,” we want to hear from you. Our team takes a hands-on approach to review your goals, financial picture, and property type. From there, we match you with lenders offering niche portfolio loans designed to accommodate your specific needs. We don’t believe in one-size-fits-all lending—and neither do our lending partners.

Get a personalized mortgage solution

If your property or situation doesn’t fit the usual mold, don’t give up on financing. Portfolio loans are designed for exactly this kind of challenge. At CTC Mortgage, we work with flexible lenders who prioritize custom solutions over cookie-cutter approvals.



Let’s talk about your goals and find a way forward—together.

Faqs– Portfolio Loans

Answers to common mortgage questions