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Portfolio Loans

Portfolio Loans

Wintrust Mortgage’s Portfolio Loan Program offers a larger selection of loan options with more flexibility than a traditional mortgage.1 Unlike a qualified mortgage, limited to 43 percent debt-to-income ratio, portfolio loans may allow for up to 50 percent with compensating factors including a higher credit score. Wintrust Mortgage offers competitive rates and mortgages with up to 80 percent loan-to-value ratio for loans up to $1.5 million for both conforming and jumbo loans for well-qualified consumers. These loans are more lenient with credit scores and offer 100 percent gift down payment options.

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1 The Portfolio Loan Program is available to consumers who otherwise don’t qualify for another mortgage program.

Portfolio Loans



Mortgage Lending is provided through our affiliate Wintrust Mortgage. Wintrust Mortgage is a division of Barrington Bank and Trust N.A., NMLS # 449042.


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