Question 1

What makes a Portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps the loan instead of selling it. That means they can bend their own rules on credit, income, and property type.

Question 2

Can I use a Portfolio ARM to buy farmland in Dos Palos?

Accepted Answer

Some portfolio lenders will consider ag or mixed-use properties. It depends on the lender — this is exactly where shopping 200+ lenders matters.

Question 3

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

Accepted Answer

Common structures are 5/1, 7/1, or 10/1 ARMs. The first number is years at a fixed rate before adjustments begin.

Question 4

Are Portfolio ARMs considered non-QM loans?

Accepted Answer

Yes. They don't follow the federal Qualified Mortgage rules. That's the source of their flexibility — and why fewer lenders offer them.

Question 5

What credit score do I need for a Portfolio ARM in Merced County?

Accepted Answer

Most lenders start at 620, but requirements vary. A larger down payment can offset a lower score with some portfolio lenders.

Question 6

Is a Portfolio ARM a good fit for real estate investors?

Accepted Answer

Often yes, especially for short hold periods. Investors who plan to sell or refinance within 5–7 years can benefit from the lower initial rate.

Portfolio ARMs in Dos Palos, CA — Flexible Financing on Your Terms