A: refi 3 loans into 1? B: portfolio loans count in 4 loan limit?

[Lance Luvaul]

Hi BP: sorry, two questions in one:

A: If I refinance 3 hypothetical conforming/secondary loans into 1 big loan, does that reduce the number of loans that count against my limit of 4?  (And maybe a 3rd question: is the limit actually 10 now?)

B: My loan broker told me my 3 existing portfolio loans counted against my limit of 4, but I thought the limit was only for conforming/secondary loans?