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Fixed rates are pushing buyers toward alternatives. HousingWire flagged a 10.4% drop in mortgage applications as the 30-year hit 6.57% — ARM demand is shifting.
Portfolio ARMs aren't sold to Fannie or Freddie. Lenders keep them in-house, which means they write their own rules on qualification and terms.
680+
Recommended Min Credit
5, 7, or 10 years
Typical Fixed Period
12 months typical
Reserves Required
Non-QM
Loan Classification
21–30 days
Est. Close Time
Portfolio ARMs in Fullerton
These are non-QM loans. Standard debt-to-income rules don't always apply. Lenders care more about assets, income stability, and the property itself.
Expect to show strong reserves — often 12 months of payments. Credit requirements vary by lender, but 680+ puts you in a much better position.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Fullerton.
Fixed rates are pushing buyers toward alternatives. HousingWire flagged a 10.4% drop in mortgage applications as the 30-year hit 6.57% — ARM demand is shifting.
Portfolio ARMs aren't sold to Fannie or Freddie. Lenders keep them in-house, which means they write their own rules on qualification and terms.
These are non-QM loans. Standard debt-to-income rules don't always apply. Lenders care more about assets, income stability, and the property itself.
Not every lender offers portfolio ARMs. Retail banks rarely do. You find them through wholesale lenders, credit unions, and private portfolio shops.
We work with 200+ wholesale lenders at SRK CAPITAL. That matters here — portfolio ARM pricing and terms swing hard from one lender to the next.
Portfolio ARMs work best when you have a clear exit plan. A 5/1 or 7/1 ARM makes sense if you're selling or refinancing before the rate adjusts.
I see investors use these to keep initial payments low while a property seasons. That's the real play — not just chasing a lower start rate.
DSCR loans are purely income-from-rent based. Portfolio ARMs can blend personal income and rental income — more flexibility for mixed-use borrowers.
Bank statement loans focus on deposits. Portfolio ARMs often give better rates if your credit and reserves are strong. Run both options before deciding.
Fullerton sits in Orange County, where property values push many buyers past conforming limits. Portfolio ARMs can cover loan sizes that don't fit standard boxes.
The city draws investors near Cal State Fullerton and along the transit corridor. Portfolio ARMs fit short-hold acquisition strategies well in these pockets.
The lender keeps it on their books instead of selling it. That means they control the terms — more flexibility, but less standardization.
Yes. These are commonly used for investment properties. Lenders evaluate the full picture — your assets, credit, and the property's income potential.
The rate adjusts based on an index plus a margin. Rate caps limit how much it can move each period and over the life of the loan.
No. W-2 borrowers use them too, especially when loan size or property type falls outside conforming guidelines.
Non-QM loans typically close in 21–30 days. Having reserves documentation and a clean title ready upfront speeds the process.