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Home Mortgage Lenders
Portfolio lenders, normally banks or Savings and Loan institutions, are so called
because they originate loans for their own portfolio rather than for resale.
Often it is easier for a borrower to obtain a portfolio loan as they are easier
to qualify for. Portfolio lenders are also useful as niche lenders as they
tend to place more importance on some criteria than other lenders,
such as savings history rather than full documentation.
Banks and Savings & Loans lenders are mostly recognisable names and so attract
borrowers due to their perceived stability and trustworthiness.
In addition other forms of lender include Mortgage Brokers, Mortgage Bankers, and
Wholesale Lenders. For more details see Mortgage Bankers and Mortgage Brokers.
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