Portfolio Loan Programs

Colorado Mortgage Group has access to multiple portfolio loan programs. We also recommend an FHA loan in some cases as well. Please also check our continually updated mortgage guidelines for loan regulation changes.

What are portfolio loan programs?
A portfolio loan is a loan that is serviced by the lender that issued the money. They are not sub-prime loans. These loans have no pre-payment penalties and all payments are fully amortized. The benefit is they give home buyers more purchasing options than typical lenders can offer.

Here are some options for Portfolio Loan Programs:

  • Non-warrantable Condominiums –  When more than 51% of the units are investment properties
  • Condo-Tels – For example, the condominium at the base of the lift in Breckenridge is often classified as a Condo-Tel
  • Foreign Nationals – No Social Security number, No work Visa required if you can document income, Up to 50% LTV / 65% LTV for Canadians
  • Foreign Immigrants on US Work Visa – Up to 80% LTV, no SSN or US credit required
  • Asset Depletion – If you no longer have monthly income but you have money in the bank


When Borrowers have more assets than income
…we have just the right recipe for a mortgage

  • Use 100% of allowable retirement assets
  • Foreign borrowers permitted at reduced LTVs
  • Cash-out refinances are available – even if you’ve recently refinanced your home
  • Assets depleted over 60-months
  • Up to 50% debt-to-income
  • Loans up to $6 million – or more


  • Cash-out Jumbo loans – Up to $1,000,000 cash in hand
  • Acreage – Over 10 acres allowed, hobby farms eligible
  • No Limit on number of Financed Properties
  • No Credit or Limited Credit profiles