Loading
Loading
McFarland sits in Kern County's agricultural core. Borrowers here often have income that doesn't fit a standard W-2 box.
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. Portfolio ARMs are where that demand is landing for non-traditional borrowers.
620 (typical)
Min Credit Score
3, 5, or 7 years
Fixed Period Options
Non-QM / Portfolio
Loan Type
Bank stmts, assets
Income Types Accepted
Portfolio ARMs in McFarland
Portfolio ARMs are non-QM loans. Lenders set their own rules — no Fannie Mae guidelines to satisfy.
Most lenders want at least a 620 credit score. Some go lower if the down payment is strong. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in McFarland.
McFarland sits in Kern County's agricultural core. Borrowers here often have income that doesn't fit a standard W-2 box.
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. Portfolio ARMs are where that demand is landing for non-traditional borrowers.
Portfolio ARMs are non-QM loans. Lenders set their own rules — no Fannie Mae guidelines to satisfy.
Banks and credit unions hold these loans in-house. That means underwriting is a conversation, not a checklist.
SRK CAPITAL works with 200+ wholesale lenders. We find the portfolio ARM programs that actually match your income type and property.
Portfolio ARMs make sense when you want a lower start rate and plan to sell or refinance within 5-7 years.
For McFarland investors or self-employed borrowers, the flexible income docs are often the real reason to choose this product — not just the rate.
A 30-year fixed gives you payment certainty. A portfolio ARM gives you a lower starting rate and looser qualification rules.
DSCR loans are another option for investors — they qualify on rental income, not personal income. Portfolio ARMs can do both.
Kern County has a large agricultural workforce. Seasonal and cash-based income is common — exactly what portfolio lenders can handle.
McFarland's price points are relatively accessible. Portfolio ARMs can help buyers move fast without the constraints of agency guidelines.
The lender keeps it on their books instead of selling it. That means they set their own terms and can approve income types agencies reject.
Most portfolio ARMs offer 3, 5, or 7-year fixed periods before the rate adjusts. Your lender sets the specific terms.
Yes. Portfolio lenders can work with seasonal and agricultural income. Documentation requirements vary by lender.
It can be. Some portfolio lenders qualify on rental income. DSCR loans are a close alternative worth comparing.
Most lenders start around 620. A larger down payment can sometimes offset a lower score. Rates vary by borrower profile and market conditions.
Yes, if your financial profile improves or rates drop. Many borrowers use portfolio ARMs as a bridge to conventional financing.