Common Sense Portfolio Programs are lender-held mortgage solutions designed for borrowers who don’t fit standard agency guidelines. These programs offer flexible underwriting, alternative income documentation, and customized terms based on real financial strength rather than rigid rules. Because the lender keeps the loan in its own portfolio, approval decisions are more practical and individualized. They’re ideal for self-employed borrowers, investors, or buyers with unique financial profiles who still demonstrate the ability to repay responsibly.
