Question 1

How much higher are portfolio ARM rates than conventional?

Accepted Answer

Expect 0.5-1.5% higher than agency ARM rates as of February 2026. Your income type and down payment move that range significantly.

Question 2

Can I qualify with stock options as income?

Accepted Answer

Yes, but lenders discount unvested equity 50-100%. Vested RSUs and exercised options count more reliably across our portfolio lenders.

Question 3

What happens when the rate adjusts?

Accepted Answer

After the fixed period, rates adjust annually based on an index plus margin. Caps limit increases to 2% per year, 5% lifetime.

Question 4

Do I need tax returns for portfolio ARMs?

Accepted Answer

Depends on the lender. Some require two years, others accept 12 months bank statements. We shop for your documentation situation.

Question 5

Can crypto assets help me qualify?

Accepted Answer

Some lenders now accept verified crypto for reserves with a 30-50% haircut. Income from crypto trading needs two year history.

Portfolio ARM Loans in East Palo Alto: Flexible Financing for Complex Income Profiles