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Fairfax sits in one of California's most expensive counties. Buyers here often need creative financing to make the numbers work.
Portfolio ARMs stay on the lender's books instead of being sold off. That means lenders can bend their own rules — and often do.
Adjustable (ARM)
Rate Type
Non-QM / Portfolio
Loan Category
Yes
Jumbo Eligible
Lender-by-lender
Credit Flexibility
5, 7, or 10 years
Fixed Period Options
Portfolio ARMs in Fairfax
These are non-QM loans. Standard agency guidelines don't apply. Lenders look at the full picture, not just a pay stub.
Self-employed buyers, investors, and high-asset borrowers are the core audience. If your income is complex, this loan was built for you.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Fairfax.
Fairfax sits in one of California's most expensive counties. Buyers here often need creative financing to make the numbers work.
Portfolio ARMs stay on the lender's books instead of being sold off. That means lenders can bend their own rules — and often do.
These are non-QM loans. Standard agency guidelines don't apply. Lenders look at the full picture, not just a pay stub.
Most banks don't offer portfolio ARMs off the shelf. You won't find these at a big retail bank branch in San Rafael.
We work with 200+ wholesale lenders, and only a subset offer true portfolio ARM products. Knowing which ones fit Marin profiles is the job.
HousingWire flagged a 10.4% drop in mortgage applications as the 30-year fixed hit 6.57% — and ARM demand shifted noticeably. That's exactly the environment where portfolio ARMs get interesting for Fairfax buyers.
A lower initial rate on a portfolio ARM can mean real monthly savings on a high-balance Marin purchase. Rates vary by borrower profile and market conditions.
A conventional ARM gets sold to Fannie or Freddie. A portfolio ARM doesn't — so the lender controls the terms start to finish.
Bank statement loans and DSCR loans are close cousins. Portfolio ARMs often overlap with those programs for self-employed and investor borrowers.
Fairfax attracts buyers who don't fit a standard mold — small business owners, artists, remote workers with variable income. Portfolio ARMs are built for exactly that.
Marin's property values make jumbo territory the norm. Portfolio lenders often have more appetite for large loan balances than agency programs allow.
The lender keeps it on their own books instead of selling it. That gives them flexibility to approve deals agencies wouldn't touch.
Not harder — different. Lenders focus on assets and overall financial strength. Complex income profiles often qualify more easily than with conventional loans.
It varies by lender — common structures are 5, 7, or 10 years fixed before the rate adjusts. Your timeline and exit strategy should drive that choice.
Most do, but terms differ by lender. Ask specifically about periodic caps and lifetime caps before committing to any ARM structure.
Often yes. Investors planning a shorter hold benefit from the lower initial rate. Pair it with a DSCR analysis to confirm the cash flow works.