Question 1

What makes a Portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps the loan on their own books. That means they set the terms and can be more flexible than conforming ARM guidelines allow.

Question 2

Is a Portfolio ARM a good fit for Orland investment property?

Accepted Answer

It can be, especially for properties that don't meet standard guidelines. You'll need strong reserves and a clear plan for when the rate adjusts.

Question 3

How long is the initial fixed rate period on a Portfolio ARM?

Accepted Answer

It varies by lender — common terms are 3, 5, or 7 years fixed before the rate starts adjusting. Each lender in our network sets its own structure.

Question 4

Can I use a Portfolio ARM on agricultural land in Glenn County?

Accepted Answer

Possibly. Portfolio lenders have more flexibility on property type. The lender's specific guidelines determine what land use they'll accept.

Question 5

What credit score do I need for a Portfolio ARM?

Accepted Answer

Most portfolio lenders want at least a 620, though 660 or higher gets you better terms. Reserves and equity often matter as much as the score.

Portfolio ARMs in Orland, CA — Flexible Rates, Lender-Held Terms