Portfolio Lender

A portfolio lender is any lender that holds the loans it originates rather than selling them into the agency or securitization market. Because portfolio loans don't have to conform to Fannie/Freddie rules, portfolio lenders can write flexible underwriting for self-employed borrowers, high-net-worth clients, complex income, and niche products like crypto-backed mortgages.

The trade-off is rate: portfolio loans usually price a bit higher than conforming, reflecting the capital the lender keeps tied up. For borrowers whose profile doesn't fit conforming rules, it's often the only path.

Why it matters for Milo customers

Milo is a portfolio lender — we hold our loans on our own balance sheet rather than selling them. This is why we can underwrite on crypto collateral and DSCR cash flow that agency lenders won't touch.

Related terms

Non-Bank LenderNon-QM LoanCrypto-Backed MortgageDSCR Loan
PITIPre-Approval vs Pre-Qualification

1-888-433-6456 (MILO)

545 NW 26th Street, Suite 200
Miami, FL 33127

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Milo Credit, LLC is a direct lender and licensed under NMLS #1811449.
Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

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