Question 1

What makes a portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps it. No Fannie or Freddie rules apply. They set the terms, so there's more room to work with unusual properties or income.

Question 2

Are portfolio ARMs considered non-QM loans?

Accepted Answer

Yes. They don't follow standard agency guidelines. That's a feature, not a flaw — it means more deals get done.

Question 3

What credit score do I need for a portfolio ARM in Arcata?

Accepted Answer

Each lender sets its own minimum. Some go below 620. Your full profile matters more than the score alone.

Question 4

Can I use a portfolio ARM to buy a rental property in Humboldt County?

Accepted Answer

Yes. Portfolio lenders routinely finance investment properties. Some use rental income in qualification; others don't require it.

Question 5

How long does the initial fixed period last on a portfolio ARM?

Accepted Answer

It depends on the lender. Common structures are 3, 5, or 7 years fixed before the rate adjusts. Confirm the full cap structure before committing.

Question 6

Will SRK CAPITAL shop multiple portfolio ARM lenders for me?

Accepted Answer

Yes. We have access to 200+ wholesale lenders including non-QM and portfolio specialists. We find the structure that fits your deal.

Portfolio ARMs in Arcata, CA — Flexible Financing on Your Terms