Portfolios are a folder/envelope/book where you collect all of your essential documents for applying for a home loan. Same goes for business lending or anytime you are asking for money! These instructions are magic - trust me. If you are a nuisance for the Lender/Bank Manager/Broker, you may get put to the bottom of the pile. Or worse, they may make assumptions about you - and you get declined. Listen here to find out what you can do to go to the top of the list!