Mortgage brokers have access to a wide range of loan products from different lenders, and we can help you find the best loan for your needs and circumstances. Some of the specialized loan products that many mortgage brokers can offer include: No Cost Loans: This is a mortgage strategy where you take a higher interest rate in exchange for a credit that covers some of the loan costs. Portfolio loans: Portfolio loans are mortgage loans that are held and serviced by the lender instead of being sold on the secondary market. These loans may offer more flexible underwriting criteria and loan terms for borrowers with unique financial circumstances. These can be a great alternative if you're seeking alternative financing. Investment property loans: Investment property loans are designed for borrowers looking to purchase a property for investment purposes. These loans may have higher interest rates and fees, and they may have different underwriting criteria than other types of mortgage loans.