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HousingWire flagged a 10.4% drop in mortgage applications as the 30-year fixed hit 6.57%. That shift is pushing serious borrowers toward ARMs.
Portfolio ARMs sit outside the conventional lending box. Lenders keep these loans in-house instead of selling them — which gives them room to negotiate.
3, 5, or 7 Years
Initial Rate Period
Varies by Lender
Credit Flexibility
Non-QM
Loan Type
Not Sold to Agencies
Held In Portfolio
5–10 Years
Best Hold Strategy
Portfolio ARMs in Citrus Heights
Portfolio ARMs are non-QM loans. Lenders set their own guidelines, so credit, income, and asset requirements vary more than conventional loans.
Most portfolio lenders want to see strong compensating factors. A larger down payment, healthy reserves, or solid income history can offset a lower credit score.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Citrus Heights.
HousingWire flagged a 10.4% drop in mortgage applications as the 30-year fixed hit 6.57%. That shift is pushing serious borrowers toward ARMs.
Portfolio ARMs sit outside the conventional lending box. Lenders keep these loans in-house instead of selling them — which gives them room to negotiate.
Portfolio ARMs are non-QM loans. Lenders set their own guidelines, so credit, income, and asset requirements vary more than conventional loans.
You won't find portfolio ARM programs at every bank. Credit unions, community banks, and specialty lenders are the main players.
SRK CAPITAL works with 200+ wholesale lenders across California. We find portfolio ARM programs that retail banks won't show you.
Portfolio ARMs make the most sense for borrowers with a clear exit plan. Refinance in 5-7 years, sell before the rate adjusts, or pay it down fast.
Self-employed buyers in Citrus Heights use these often. When tax returns show low income, a portfolio lender can evaluate the full financial picture instead.
A standard ARM follows Fannie/Freddie guidelines. A portfolio ARM does not. That distinction opens doors for borrowers who don't fit the agency mold.
Bank Statement and DSCR loans are close cousins. If rental income or business deposits drive your finances, those programs may also deserve a look.
Citrus Heights sits in Sacramento County, a market with active move-up buyers and investors. Portfolio ARMs appeal to both groups when fixed rates run high.
Sacramento County investors buying rental properties sometimes pair portfolio ARMs with short-term hold strategies. Lower initial payments help early cash flow.
The lender keeps the loan instead of selling it. That means they can set their own terms and qualify borrowers banks would turn down.
Yes. It doesn't follow standard agency guidelines. Each lender sets their own credit, income, and documentation rules.
Self-employed buyers, investors, and anyone with a short hold plan. Lower initial rates work best when you're not keeping the loan 30 years.
Rates adjust after an initial fixed period — often 3, 5, or 7 years. Adjustment caps limit how much the rate can move at each interval.
Yes. Investors use them to manage early cash flow. DSCR loans are also worth comparing if rental income is your primary qualifier.
Initial rates are often competitive or lower. Rates vary by borrower profile and market conditions — shop across multiple lenders before deciding.