Portfolio Loans are Available!

Receive a quote on a Portfolio loan today.

Flexible Solutions for Unique Financial Situations Are Available!

Maine Lending for Maine Families

About Portfolio Loans

Portfolio loans gives borrowers the opportunity to own a home when they don’t necessarily meet the strict guidelines of conventional loans. Additionally, because the lender retains the loan, they have more control over the loan and can make decisions on a case-by-case basis. Less-than-perfect credit or debt-to-income ratio a little too high? That’s where a Portfolio loan comes in.

Portfolio loans are often used by borrowers who don’t fit the traditional lending criteria for a mortgage or other type of loan. For example, self-employed individuals who have fluctuating income or those with multiple sources of income may find it difficult to qualify for a traditional loan. Portfolio loans offer more flexibility and can take these factors into consideration when making the loan decision.

Looking to buy lakeside in Maine or New Hampshire? Portfolio loans can also be used for seasonal properties or camps, condos, and even land loans.

Acadia Lending Group is here to make the home loan process easier, with tools and knowledge that will help guide you along the way, and the first step is seeing how much you can afford and getting prequalified. We’ll help you see the differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time home buyer or a repeat buyer.

The Portfolio Loan Process

Here’s how our home loan process works:

  • Complete our simple Pre-Qualification Questionnaire
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why a Portfolio Loan?

A portfolio loan is a type of loan that is not sold on the secondary mortgage market. Instead, it is kept and serviced by the lender for the entire term of the loan. Portfolio loans are often used for borrowers who do not meet the strict guidelines of conventional loans, such as those with lower credit scores or self-employed individuals.

  • Fixed Rate Mortgage
  • Jumbo Loans
  • First Time Home Buyers
  • 30, 25, 20 year terms
  • 3/1, 5/1, 7/1 ARM options available
  • Seasonal Properties / Camps
  • Land Loans
  • Condo Loans

Get Your Portfolio Loan Quote Now!

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