Portfolio Mortgage Loans for Florida Borrowers
Our portfolio loans are funded, underwritten, and held by in-house Portfolio Lending. These are our own funds, controlled entirely within our organization—not brokered out, not sold off, and not dependent on outside investors.
Because we control the capital, we’re able to make practical lending decisions based on the full picture, not just rigid guidelines or automated checklists. Portfolio loans are often used to bridge gaps, fund projects, and support unique purchase, renovation, and investment scenarios that traditional financing can’t accommodate.
What Are Portfolio Loans?
Portfolio loans are mortgages funded and retained directly by our portfolio lending division, rather than sold to Fannie Mae, Freddie Mac, FHA, or outside capital sources.
This in-house structure allows for:
More flexible underwriting
Faster decision-making
Custom loan structures designed around the scenario—not a box
These loans are typically shorter-term and are often designed with a refinance, sale, or exit strategy in mind.
Who Portfolio Loans Are Best For
Portfolio lending may be a fit if you’re:
Purchasing a new property before selling an existing one
Renovating or building a property
Investing with non-traditional timelines or strategies
Temporarily outside standard lending guidelines
Looking for speed, flexibility, or creative structuring
Working on a deal that requires real underwriting judgment.
Portfolio Loan Programs Offered
Bridge & Transition Loans
Short-term financing that allows you to purchase before selling or move between properties without contingent offers.
Fix & Flip Loans
Capital for property renovations intended for resale.
Ground-Up Construction Loans
Financing for new construction projects, funded and managed internally.
Select Owner-Occupied Portfolio Loans
Flexible solutions for owner-occupants who don’t fit traditional agency guidelines.
How Portfolio Loans Compare to Traditional Financing
Funded and held entirely in-house
More flexible than conventional, FHA, or VA loans
Faster underwriting and decision-making
Shorter terms by design
Built for specific situations, not mass-market guidelines
Often used as a strategic step toward permanent financing
How Our Portfolio Lending Works
What We Do Not Care About
Seasoning of assets or properties
Non-arm’s length transactions
Properties in need of repair
Number of financed properties
Traditional income qualification for business-purpose loans
Owner-builders and renovators (when experienced)
Perfect credit
What We Do Care About
Helping our loan officers and referral partners perform
Closing loans fast
The character and experience of our borrowers
Loan-to-value guidelines (typically up to 65%, with select exceptions to 70%)
Ability to repay — with flexibility in how it’s evaluated
Putting borrowers into the right loan structure to support long-term success and profitability
Because these loans stay in our portfolio, they’re designed to solve real problems, bridge timing gaps, and create clean exits—often through refinance or sale when the borrower is ready.
Ready to talk with a Florida mortgage expert?
Find the loan that fits your situation.