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San Anselmo sits in one of California's most expensive counties. Homes here routinely price well above conventional loan limits.
HousingWire flagged a 10.4% drop in mortgage applications as the 30-year fixed hit 6.57%. That kind of rate pressure is exactly why ARM demand is shifting — and portfolio ARMs are drawing serious attention.
Typically 680+
Min Credit Score
5, 7, or 10 Years
Fixed Period Options
Non-QM
QM Status
No conforming cap
Loan Limit
Adjustable after fixed term
Rate Type
Portfolio ARMs in San Anselmo
Portfolio ARMs are non-QM loans. Lenders hold them in-house instead of selling to Fannie or Freddie, so they set their own rules.
Expect credit score requirements starting around 680. Self-employed borrowers, high-net-worth clients, and complex income profiles are often a strong fit.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in San Anselmo.
San Anselmo sits in one of California's most expensive counties. Homes here routinely price well above conventional loan limits.
HousingWire flagged a 10.4% drop in mortgage applications as the 30-year fixed hit 6.57%. That kind of rate pressure is exactly why ARM demand is shifting — and portfolio ARMs are drawing serious attention.
Portfolio ARMs are non-QM loans. Lenders hold them in-house instead of selling to Fannie or Freddie, so they set their own rules.
Most banks don't advertise portfolio ARMs. You won't find them on rate comparison sites. They live inside private lender relationships.
We work with 200+ wholesale lenders. Several specialize in portfolio products built specifically for high-value Marin County purchases.
The rate is only part of the story on an ARM. The margin, index, and caps determine what you actually pay in year three or five.
On a $2M Marin purchase, a lower start rate saves real money short-term. If you're selling or refinancing within seven years, the math often favors an ARM.
A 30-year fixed gives you certainty. A portfolio ARM gives you a lower start rate with flexibility built for borrowers who have options.
Bank statement loans and DSCR loans cover similar non-QM borrowers. Portfolio ARMs win when rate savings matter and the hold period is defined.
San Anselmo buyers often come in with equity from a prior sale, complex income, or both. Portfolio lenders are built for exactly that profile.
Marin's competitive market means fast closes matter. Portfolio lenders can sometimes move quicker without secondary market overlays slowing things down.
The lender keeps the loan instead of selling it. That means they set their own terms and can approve profiles that don't fit agency guidelines.
Most portfolio ARMs offer 5, 7, or 10-year fixed periods. After that, the rate adjusts based on a set index plus a margin.
Yes. Portfolio ARMs don't follow Qualified Mortgage rules. That flexibility is the point — it opens doors standard loans close.
Yes. Portfolio lenders aren't bound by conforming loan limits. That makes them viable for high-value Marin purchases.
Most portfolio lenders want 680 or higher. Strong reserves and a clear exit strategy can support approval near that floor.
If you plan to sell or refinance within the fixed period, an ARM usually saves money. We run the numbers based on your actual hold plan.