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Napa real estate doesn't fit a standard mold. High-value properties, wine estates, and mixed-use parcels routinely fall outside conventional loan boxes.
Portfolio ARMs stay on the lender's books — they're never sold. That means lenders write their own rules, and complex deals get real consideration.
Typically 680+
Min Credit Score
5/1, 7/1, 10/1 ARM
Loan Type
Non-QM
QM Status
Jumbo eligible
Loan Size
5–10 years
Best Hold Period
Portfolio ARMs in Napa
Portfolio lenders look at the full picture. Credit score, assets, income, and property type all factor in — no single box kills the deal.
Expect stronger credit requirements than FHA. Most portfolio ARM lenders want 680 or above, and reserves matter more here than with agency loans.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Napa.
Napa real estate doesn't fit a standard mold. High-value properties, wine estates, and mixed-use parcels routinely fall outside conventional loan boxes.
Portfolio ARMs stay on the lender's books — they're never sold. That means lenders write their own rules, and complex deals get real consideration.
Portfolio lenders look at the full picture. Credit score, assets, income, and property type all factor in — no single box kills the deal.
You won't find portfolio ARMs at every bank. Community banks, credit unions, and private lenders hold these — not big retail shops.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in portfolio products built exactly for Napa-style transactions.
HousingWire flagged a sharp drop in mortgage applications as the 30-year fixed hit 6.57% — and ARM demand shifted. Portfolio ARMs are pulling more attention right now for good reason.
A portfolio ARM can open deals that a 30-year fixed closes. If you plan to sell or refinance within 5-7 years, paying a fixed premium the whole time rarely makes sense. Rates vary by borrower profile and market conditions.
Agency ARMs get sold to Fannie or Freddie. That means strict guidelines and limited property types. Portfolio ARMs skip all that.
DSCR loans work for rental income properties. Bank Statement loans target self-employed borrowers. Portfolio ARMs can overlap with both — and sometimes beat them on rate.
Napa County properties often include ag land, wine inventory, or mixed residential-commercial use. Conventional lenders walk away. Portfolio lenders lean in.
High property values in Napa also mean jumbo territory. Portfolio ARMs handle jumbo loan sizes without the rigid jumbo overlays most agency products carry.
The lender keeps the loan instead of selling it. That means they can set their own terms and approve deals agencies won't touch.
Yes. Portfolio lenders handle mixed-use and ag-tied properties. Most agency and conventional products won't go near those deals.
Common structures are 5/1, 7/1, and 10/1 ARMs. The rate is fixed for that initial period, then adjusts annually.
Not perfect — but strong. Most portfolio lenders want 680+. Reserves and assets can compensate for borderline credit profiles.
Yes, and they're common there. Pair them with strong reserves or rental income documentation for the best shot at approval.
Portfolio lenders don't all advertise publicly. A broker with 200+ lender relationships finds programs a borrower can't find on their own.