What term is used for commercial mortgages that lenders hold in their portfolios?

The term used for commercial mortgages that lenders hold in their portfolios is unsecuritized commercial mortgages. This indicates that the mortgages are not bundled and sold off as securities in the secondary market but are retained by the lender in their balance sheet. By keeping these loans in-house, lenders have direct control and responsibility for the mortgage, including the management of the loan and the risk associated with it.

Securitized commercial mortgages involve packaging mortgage loans into securities that can be sold to investors. Residential mortgages refer specifically to loans secured by residential properties, while short-term commercial loans typically indicate financing for a shorter duration than standard commercial mortgages and often have different terms and conditions. Understanding these terms and their implications is crucial in the real estate practice as they reflect the mechanisms through which real estate financing operates.