conventional loan vs. portfolio loan

conventional loan是指贷款会被银行卖给fannie mae，然后贷款打碎证券化后，卖给投资者。fannie mae的标准是condo楼里面投资房不能超过一定比例。fannie mae的标准请看：https://www.fanniemae.com/singlefamily/project-eligibility

 

portfolio loan，银行自己消化这个贷款，银行自己的标准比fannie mae要灵活。