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Fixed rates above 6.5% are pushing more Orange County buyers toward ARMs. HousingWire flagged a sharp shift in ARM demand as the 30-year fixed hit 6.57% — and portfolio ARMs are where that demand is landing.
Buena Park sits in a competitive stretch of Orange County. Buyers here need every rate advantage they can find, and portfolio ARMs deliver exactly that for the right borrower profile.
Typically 660+
Min Credit Score
5, 7, or 10 years
Initial Fixed Period
Alt docs accepted
Income Docs
No agency cap
Loan Size
Adjustable, index-tied
Rate Type
Portfolio ARMs in Buena Park
Portfolio ARMs are non-QM loans. Lenders don't sell them — they hold them in-house. That means they set their own rules, and those rules are more flexible than agency guidelines.
Self-employed borrowers, investors, and buyers with complex income qualify here. W-2 earners with clean profiles usually get better pricing on conventional ARMs.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Buena Park.
Fixed rates above 6.5% are pushing more Orange County buyers toward ARMs. HousingWire flagged a sharp shift in ARM demand as the 30-year fixed hit 6.57% — and portfolio ARMs are where that demand is landing.
Buena Park sits in a competitive stretch of Orange County. Buyers here need every rate advantage they can find, and portfolio ARMs deliver exactly that for the right borrower profile.
Portfolio ARMs are non-QM loans. Lenders don't sell them — they hold them in-house. That means they set their own rules, and those rules are more flexible than agency guidelines.
Most retail banks won't offer portfolio ARMs. They're a wholesale product. You find them through brokers with access to portfolio lenders — not by walking into a branch.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in portfolio ARMs for Orange County borrowers with non-standard income or investment properties.
Portfolio ARMs shine for buyers who plan to sell or refinance within 5-7 years. You take the lower initial rate, avoid the fixed-rate premium, and exit before adjustments kick in.
The risk is holding past the initial period. If rates are high when your ARM adjusts, your payment jumps. Know your exit before you close.
DSCR loans work for pure investment properties using rental income. Portfolio ARMs work for primary or investment, but underwrite the borrower — not just the property cash flow.
Bank statement loans also serve self-employed borrowers. Portfolio ARMs can sometimes pair with bank statement income docs, giving you a rate edge over a fixed bank statement loan.
Buena Park draws a mix of owner-occupants and small investors. The city's proximity to employment corridors in Anaheim and Fullerton makes short-term holds realistic for many buyers here.
Orange County's price range means loan amounts often exceed conforming limits. Portfolio ARMs don't have the same size caps as agency products, which matters for higher-priced deals.
The lender holds it instead of selling it. That means flexible guidelines, alternative income docs, and terms you won't find on agency loans.
Yes. Many portfolio lenders allow investment property use. Guidelines vary, so loan terms depend on your specific lender and profile.
Common structures are 5/1, 7/1, or 10/1. The first number is the fixed years before the rate adjusts annually.
Not necessarily. They're more flexible for complex income. But rates and terms vary, so comparisons depend on your full borrower profile.
Your rate changes based on an index plus a margin. Most have adjustment caps that limit how much the rate can move at each change.
Requirements vary by lender. Many portfolio lenders require 20-25% down, especially for investment properties or non-standard income borrowers.