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 set their own terms — more flexibility, but no standard guidelines to rely on.

Question 2

Can I use a portfolio ARM to buy in Los Alamitos?

Accepted Answer

Yes — primary residences, second homes, and investment properties are all possible. Eligibility depends on the specific lender's program.

Question 3

How long does the initial fixed rate last?

Accepted Answer

Common terms are 5, 7, or 10 years fixed before the rate adjusts. Your lender sets the structure — confirm it before committing.

Question 4

Is a portfolio ARM considered a non-QM loan?

Accepted Answer

Yes. It doesn't follow standard qualified mortgage rules. That's why documentation and credit requirements vary so much between lenders.

Question 5

What credit score do I need for a portfolio ARM?

Accepted Answer

No universal minimum exists. Each lender sets its own floor — we've seen approvals from 620 up to 700+ depending on the lender and loan size.

Question 6

Does SRK CAPITAL shop multiple portfolio ARM lenders?

Accepted Answer

Yes. We have access to 200+ wholesale lenders, including several that specialize in portfolio products for Orange County borrowers.

Portfolio ARMs in Los Alamitos, CA