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Highland sits in San Bernardino County, where buyers often need loan programs that go beyond conventional boxes. Portfolio ARMs fill that gap.
Bankrate flagged rates climbing to 6.19% this week on geopolitical pressure. For Portfolio ARM borrowers, that starting rate often still beats a fixed conventional loan.
6.19% avg fixed
Benchmark Rate (Mar 2026)
620+ (varies)
Min Credit Score
3, 5, 7, or 10 yr
Initial Fixed Period
Non-QM
Loan Classification
Owner & Investment
Property Types
These are non-QM loans. Lenders don't follow standard agency guidelines. That means your income docs, credit history, and property type get evaluated differently.
Self-employed borrowers, investors with multiple properties, and borrowers with recent credit events are the primary candidates. W-2-only borrowers rarely need this program.
Portfolio lenders hold this loan on their own books. They set their own terms. That's why rates, margins, and caps differ dramatically from lender to lender.
At SRK CAPITAL, we shop across 200+ wholesale lenders. Finding the right portfolio lender for your specific file makes a real difference in rate and terms.
The ARM structure matters as much as the start rate. Know your initial fixed period — 3, 5, 7, or 10 years — before comparing products.
Watch the rate caps. A 2/6 cap means 2% max adjustment per period, 6% lifetime. That protects you if rates spike after your fixed period ends.
DSCR loans use rental income to qualify. Portfolio ARMs can work for both owner-occupied and investment properties with flexible income docs.
Bank Statement loans are income-focused for self-employed borrowers. Portfolio ARMs layer in rate flexibility on top of that looser income qualification.
Highland borrowers include a mix of self-employed business owners and investors picking up rental properties in the Inland Empire.
San Bernardino County has seen investor activity from buyers who can't use conventional financing. Portfolio ARMs are a practical tool for that buyer profile.
The lender keeps it in-house instead of selling it. That means more flexible guidelines and terms not tied to Fannie/Freddie rules.
Yes. Many portfolio lenders allow investment properties. Some will use rental income to offset your debt ratios.
Most Portfolio ARMs offer 3, 5, 7, or 10-year fixed periods. The shorter the period, the lower your starting rate.
It varies by lender. Some go as low as 620. Others want 680+. Your full file — not just the score — drives the decision.
They carry rate adjustment risk after the fixed period. Borrowers who plan to sell or refinance before that window often use them effectively.
Portfolio ARMs in Highland