Portfolio Loans in Phoenix AZLoans Held by the Lender, Not Sold on the Secondary Market
Have a deal that doesn't fit conventional rules? Portfolio loans are held by the lender on their own books, which means they can underwrite to their own standards instead of Fannie or Freddie's. That flexibility opens doors when standard loans say no.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Portfolio Loans
Portfolio loans are the right call when you've been turned down by conventional lenders for something that's solvable — too many properties, unusual income, a complex tax return, a non-warrantable condo, or a property type that doesn't fit standard boxes. Portfolio lenders make the call based on the full picture rather than a strict checklist. Investors with multiple properties often use portfolio loans because they can hold more units than conventional financing allows.
Our Portfolio Loans Process
Here's how we close your portfolio loan. Call or text me with the situation — what's the property, what's the issue blocking conventional financing, and what you're trying to do. I'll match you with a portfolio lender that handles your scenario. Most portfolio loans close in 30 to 45 days. I'll walk you through every step.
Portfolio Loans Cost in Phoenix
Portfolio loan rates are usually a little higher than conventional because the lender takes on the credit risk. The trade-off is flexibility. I shop dozens of portfolio lenders to find the best rate for your specific situation. Every cost in writing before closing.
Why Choose Us
Portfolio loans are exactly the kind of deal a good broker can save. I know which portfolio lenders handle which scenarios. Ten years in the business and 50-plus five-star reviews. Same-day response on every call and text. I'll find the right lender for your specific situation.
Ready to Get Started?
Been turned down by a conventional lender? Call or text Mark at (480) 690-9790 today.
For more commercial financing options, see all of our Loan Agency services in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.