November 22, 2017

California Portfolio Lenders – What is Portfolio Private Lending?

What is the definition of Portfolio Private Lending and what California lenders offer this?

It can be frustrating and difficult to find a private lender that is willing to fund a loan that does not exactly fit into the conventional financing box.

Although we offer the best in Conventional and FHA Government Loans…

We also help many individuals in the SF Bay Area with private portfolio lending as well.  C2 Financial is one of the best mortgage companies to work with in California

California Private Portfolio Lending Defined:

Simply defined, a “portfolio lender” is a bank or other lending institution that makes mortgage loans with the intention of holding the loans in their investment portfolios.

Portfolio lenders can often offer consumers greater flexibility in the loan granting process, as well as down the road, than lenders who make mortgage loans with the intention of selling them – either immediately or at some time during the term.

If you are getting rejected on your regular Fannie Mae or Freddie Mac loan and you do not what to go the route of high hard money rates and fees you may fit into our portfolio lending scenarios.

…We can’t do EVERY loan.

We do a ton of portfolio loans though.

And… We sure can do a lot of them that the other guys can’t.

– Jason Wheeler

PS: If you are looking for any Conventional or Government VA or FHA loans we have over 60 lenders we can work with in California in order to get you the best loan pricing there is.  We focus on clients in Bay Area cities like Oakland, Walnut Creek, Lafayette, Orinda, Alamo, Danville and Pleasant Hill.

Watch our Video Training on Rate Trends and Pricing Comparisons

About Jason Wheeler - Real Estate & Lending

Jason Wheeler has been a top producing consultant in real estate and finance since 2003. Originating, conventional, government, portfolio and hard money loans throughout California for one of the top mortgage companies in the nation. Jason works directly with homeowners and purchases homes throughout the Bay Area with the purpose of adding value to older outdated homes. IF YOU LIKE OUR CONTENT GO VIP HERE


  1. Damon Barnett says:

    Hello Jason,
    I am looking for a mortgage for a residential SFR in fresno ca. I had a short sale about one year ago, but no other lates during the process. I have about 25 percent down. Do you have anyone doing this type of loan?

    Thank you for your time

  2. Jason Wheeler - Bay Area Mortgage Lender says:

    I’d be happy to chat with you about your situation and see if I can help you. The key is knowing the exact date the selling lender took you off of Title. Do you know when that was?

  3. Greg Rohrer says:

    Hello Jason,

    I am looking for a loan on a duplex I own in the Bay Area. There are no loans on the property at this time. The problem is I already own more than 4 other homes with Fanny and Freddy loans.

    Do you know of a good Portfolio Lender than can offer a reasonable loan?

    Thank you for your time.

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