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Irvine is one of the priciest markets in Orange County. Loan amounts here routinely push past conforming limits.
HousingWire flagged a notable shift in ARM demand as 30-year fixed rates hit 6.57%. For Irvine borrowers carrying large balances, that shift makes sense.
680+
Typical Min Credit Score
3, 5, 7, or 10 yrs
Fixed Rate Period
Flexible / Alt Doc
Income Verification
Adjustable (Non-QM)
Rate Type
Jumbo-friendly
Loan Size
Portfolio ARMs in Irvine
Portfolio ARMs are non-QM loans. Lenders write their own rules — no Fannie Mae or Freddie Mac overlays.
Strong credit helps, but lenders care more about assets and property value. Self-employed borrowers and investors do well here.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Irvine.
Irvine is one of the priciest markets in Orange County. Loan amounts here routinely push past conforming limits.
HousingWire flagged a notable shift in ARM demand as 30-year fixed rates hit 6.57%. For Irvine borrowers carrying large balances, that shift makes sense.
Portfolio ARMs are non-QM loans. Lenders write their own rules — no Fannie Mae or Freddie Mac overlays.
Most big banks won't touch these. Portfolio lenders keep the loan on their own books — that's what gives them flexibility.
We work with 200+ wholesale lenders at SRK CAPITAL. A handful specialize in portfolio ARM products for the Orange County market.
The rate adjustment caps matter more than the start rate. Ask about lifetime caps, periodic caps, and the index used.
SOFR-indexed ARMs behave differently than those tied to Treasury rates. Know which you're getting before you sign.
DSCR loans work for pure rental properties. Portfolio ARMs fit better when the deal doesn't cash flow neatly on paper.
Bank statement loans verify income differently. Portfolio ARMs can go further — sometimes no income verification at all.
Irvine's tech and finance workforce includes a lot of high earners with complex income. W-2 alone rarely tells the full story.
Short-term holds are common in Irvine's investor market. A 5/1 or 7/1 ARM aligns well with a 5–7 year exit strategy.
The lender keeps it in-house instead of selling it. That means they can bend the qualifying rules that agency loans can't.
Not always. Many portfolio ARM lenders qualify on assets, bank statements, or property income instead of tax returns.
Most portfolio lenders want 680 or higher. Some go lower with strong assets or a larger down payment.
Common options are 3, 5, 7, or 10 years fixed before the rate adjusts. You pick the term that fits your timeline.
Yes — this is actually one of the best use cases. Investors in Irvine use them regularly to hold properties short-term.
Yes. Most borrowers refi before the adjustment kicks in. Check prepayment penalty terms before you close.