Portfolio Programs

At Capital City Home Loans, we understand that not every borrower fits into the traditional lending mold. That’s why we offer Portfolio Loans—a flexible, in-house mortgage solution for clients with unique financial situations, property types, or investment goals that may not meet standard agency guidelines.

Whether you’re self-employed, purchasing a non-warrantable condo, or investing in multiple properties, a portfolio loan may offer the versatility you need to achieve your homeownership or investment objectives.

What Is a Portfolio Loan?

A Portfolio Loan is a type of mortgage that is originated and held by the lender, rather than sold to secondary market investors like Fannie Mae or Freddie Mac. Because these loans are kept “on the books,” Capital City Home Loans can set customized underwriting guidelines based on our own standards, allowing us to serve a broader range of clients.

These loans are especially helpful for borrowers who may not qualify under conforming loan rules due to income structure, credit events, or unique property features.

Who Can Benefit from a Portfolio Loan?

Portfolio loans are ideal for borrowers in scenarios that fall outside traditional mortgage parameters, including:

Self-employed professionals or those with variable income
Buyers with recent credit events (such as a short sale or bankruptcy)
Investors purchasing multi-family or mixed-use properties
Buyers of non-warrantable condominiums
Borrowers needing alternative documentation (bank statements, asset-based)
Foreign nationals or non-resident buyers
Individuals with high net worth but unconventional income sources

At Capital City Home Loans, we believe your financial future shouldn’t be defined by rigid lending rules. Our portfolio loan programs are built to adapt to your circumstances.

Key Features of Portfolio Loans

Flexible underwriting guidelines based on borrower profile
Tailored loan solutions not available through conventional programs
Available for primary residences, second homes, and investment properties
Alternative income verification options
Financing available for unique property types
Fixed and adjustable-rate options
Loan amounts above and below conforming limits

Because we retain servicing of these loans, you’ll benefit from working with a consistent, local lending team that knows your loan inside and out.

Why Choose a Portfolio Loan?

Traditional mortgage products are often limited by standardized eligibility criteria. Portfolio loans, by contrast, provide the flexibility and innovation needed to serve complex borrowing needs. With a portfolio loan from Capital City Home Loans, you can:

Qualify using non-traditional income documentation
Finance a property that doesn’t meet conventional appraisal or guideline requirements
Recover from past credit events with a path to homeownership
Structure loan terms that align with your financial goals and timelines

Every borrower is different — and our in-house portfolio lending solutions are designed to reflect that.

Capital City Home Loans – Lake Oconee Office

Our Lake Oconee Office in Greensboro, GA specializes in providing personalized lending solutions, including customized portfolio loans. We proudly serve clients across Georgia and the Southeast who are seeking mortgage options that extend beyond the limits of conventional financing.

Lake Oconee Office
1020 Parkside Commons | Suite 102, Office 101-G
Greensboro, GA 30642
Phone: 706.225.8554

When you work with Capital City Home Loans, you get more than a mortgage — you get a dedicated partner who listens, evaluates your unique situation, and delivers a solution that works for you.

Explore Your Options Today

If your financial profile or property type doesn’t meet conventional lending guidelines, a Portfolio Loan may be the ideal solution. Contact us today to speak with a local mortgage consultant and learn how our portfolio lending programs can help you achieve your real estate goals.

At Capital City Home Loans, we don’t just finance homes — we finance possibilities.