Скачать или смотреть Portfolio Loans Explained | Mortgage Types & Loan Products | NMLS SAFE Exam Prep

Portfolio loans are a key topic within Mortgage Types & Loan Products and regularly appear on the NMLS SAFE Exam in questions testing lender risk, underwriting flexibility, and borrower suitability. In this lesson, we break down portfolio mortgage loans, explaining how they work, when they are used, and why they differ from conventional and government-backed loans.

This video is part of Section 4: General Mortgage Knowledge, focusing specifically on Mortgage Types & Loan Products. You will learn why portfolio loans are held and serviced by the lender rather than sold to the secondary market, how underwriting guidelines differ, and which borrower profiles are best suited for these loans.

We cover real-world lending scenarios involving self-employed borrowers, high-net-worth clients, investors, and borrowers with non-traditional income documentation. You will also learn the risks involved for both the lender and borrower, including interest rate considerations, liquidity risk, and regulatory oversight.

This lesson is designed to help Mortgage Loan Originators understand how portfolio loans are tested on the SAFE Exam, including how to identify correct answers when presented with borrower profiles, loan product comparisons, and risk-based questions.

By the end of this video, you will clearly understand:
• What portfolio loans are and how they work
• How they differ from conventional, FHA, VA, and USDA loans
• Why lenders offer portfolio loans
• Which borrowers benefit most from portfolio lending
• Common exam traps and how to avoid them

If you are preparing for the NMLS SAFE Exam, this lesson will strengthen your knowledge, improve your confidence, and help you select the correct loan product in exam scenarios.


Key Topics Covered
• Definition of portfolio mortgage loans
• Portfolio loans vs secondary market loans
• Underwriting flexibility and lender discretion
• Borrower suitability and risk assessment
• Interest rates and loan terms
• Exam-style scenarios and decision-making tips


Who This Video Is For
• NMLS SAFE Exam candidates
• New and experienced Mortgage Loan Originators
• Mortgage professionals needing refresher training
• Anyone studying mortgage loan products and underwriting