Mortgage Programs

Portfolio Lending

As a community bank, GRB understands the limitations of traditional loans. Using its portfolio, GRB provides a number of flexible home mortgage options for first homes, second homes, and investment properties.

Flexible Options With GRB Portfolio Loans

A portfolio loan is a type of mortgage loan that a lender retains in its own investment portfolio rather than selling it to a secondary market entity, such as Fannie Mae or Freddie Mac. Portfolio loans are kept by the lender and typically adhere to the lender’s own underwriting guidelines.

Overall, portfolio loans offer borrowers alternative financing options outside of traditional mortgage programs, providing flexibility, personalized service, and the potential to finance properties that may not qualify for conforming loans.

Borrowers may find more favorable terms and personalized service with a portfolio loan. GRB often builds long-term relationships with its portfolio customers and focuses on serving the unique needs of the local community.

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Portfolio Loan Guidelines

With GRB’s portfolio loans, investor borrowers get individual solutions for unique situations.

  • Fixed rate and Adjustable Rate Mortgage (ARM) options
  • Purchase, refinance and cash-out refinance options available
  • Primary residence, second homes and investment properties (1-4 units)
  • GRB’s portfolio option allows title to be held in an LLC for a primary residence, second home, jumbo loan, or investment property

Contact Our Mortgage Team

Click the button below to fill out our ‘Contact Us’ form, and a GRB Mortgage Originator will be in touch to answer your questions!