Portfolio Loans
Use our funds to purchase a property, even if you don’t quite qualify for a conventional loan or prefer not to liquidate existing investments.
- Buy Before You Sell
- Pay Cash for a Home
- Buy Without Liquidating Other Investments
- Buy When a New House Needs Repairs
- Buy When Your Old House Needs Repairs
- Access Your Equity With no Seasoning Period
- Buy When on a Fixed Income or Retired
- Buy When Self-Employed
- Buy With Less Than 2 Years of Income History
- Close Quickly
Portfolio Loans
Flexible, customized mortgage solutions.
Portfolio Loan Solutions
Experience the advantage of portfolio loans, offering personalized mortgage options designed to cater to your distinct financial circumstances when traditional loan choices are not accessible.
Flexible Underwriting Guidelines
Since portfolio loans are held by the originating lender, they have more control over the underwriting process and can set their own guidelines. This means they may be more willing to consider alternative documentation or have more lenient credit score requirements, making it easier for borrowers with unconventional income sources or lower credit scores to secure a mortgage.
Customized Loan Solutions
Relationship-Based Lending
What is a Portfolio Loan?
Portfolio Loans
A portfolio loan is a mortgage loan originated and serviced by a lender, who retains the loan in their investment portfolio instead of selling it on the secondary market. Offering flexible underwriting guidelines, customized loan solutions, and relationship-based lending, portfolio loans can be an attractive option for borrowers with unique financial situations or those who may not qualify for conventional loans.
We Can Help
Hurst Lending is committed to helping borrowers find the right mortgage solution for their unique financial situation. With a range of loan products, including portfolio loans, we strive to provide flexible and customized solutions to meet your specific needs. Our experienced team of mortgage professionals works closely with you to understand your financial goals, assess your eligibility, and guide you through the loan application process. By prioritizing relationship-based lending, we provide financing options that few other lenders provide.
The Hurst Lending Difference
Funding Choices
Low downpayment options available.
Quick Decisions
With a quick closing and no red tape.
Great Rates
We offer some of the best rates available.
Problem Solving
Creative approaches for unique situations
Competitive Rates
Unique Portfolio Lending Solutions.
Frequently Asked Questions
What is the difference between a portfolio loan and a conventional loan?
A portfolio loan is originated and serviced by a single lender, who retains the loan in their investment portfolio, while a conventional loan is typically sold to government-sponsored entities like Fannie Mae or Freddie Mac. Portfolio loans offer more flexible underwriting guidelines and customized solutions, while conventional loans follow more stringent requirements.
Can I qualify for a portfolio loan with a low credit score?
Yes, our portfolio loans have more lenient underwriting requirements than conventional loans, making them an option for borrowers who can’t quite qualify for a conventional loan or who prefer to use our funds for your convenience (rather than liquidating other assets).
Are portfolio loans available for investment properties or second homes?
Yes, our portfolio loans can be used for purchasing investment properties or second homes. Since we are lending our own funds we have more flexibility in underwriting guidelines and are often able to help customers who can’t quite qualify for a conventional loan.
Are portfolio loans available with adjustable or fixed interest rates?
Our portfolio loans are generally offered with fixed-rate interest-only loan payments.
What is the typical loan term for a portfolio loan?
Our short-term loans cater to borrowers who don’t quite fit Fannie Mae and Freddie Mac’s guidelines or those who want convenience or tax benefits. Our model is straightforward: we provide short-term funding, and borrowers must pay off our loan or refinance into a conventional loan within six or eight months.
How do I apply for a portfolio loan?
To apply for a portfolio loan, contact us. We will guide you through the application process, which typically involves providing documentation of your income, assets, and credit history, as well as completing a loan application form.
Portfolio Loan Expertise
We help simplify the loan process & get you a low downpayment.
About Hurst Lending
Hurst Lending has been helping Texans buy, sell, and refinance their homes since 2006. Our team specializes in solving common roadblocks — like buying before selling, winning bidding wars, or getting financing for homes that need a little work.
We offer unique short-term lending solutions like Domination Loans™ alongside a full suite of loan products: conventional, VA, FHA, cash-out, investor loans, and construction financing.
Whether you're a first-time buyer, an experienced investor, or somewhere in between, we’re here to make financing faster, simpler, and tailored to you.
