Any loan above the conforming limit for the county, placed with portfolio banks that hold the loan on their own books instead of selling it. That means pricing is set case by case rather than off a rate sheet, with loan sizes up to roughly $3M, 10% down and a 700 credit floor. It is built for high-balance buyers who want bank-grade service and a single point of contact through underwriting.

Best for · Buyers above the conforming limit who want bank-grade pricing.