[abbottry]

Came here to mention this exact thing -- you don't even have to be an attending, my wife and I have this loan through a different company, and she is still a resident. We had banks fighting over our mortgage. No money down, no PMI, and they portfolio the loan instead of selling it right away like a standard mortgage. We live in a Detroit suburb.

[sandinmyjoints]

Why would they "portfolio" (I'm inferring this means keep it on their books) such a loan instead of selling it? Because the risk is thought to be so much lower than standard mortgages that keeping it somehow helps them in some way?