Question 1

How much can my rate increase on a portfolio ARM?

Accepted Answer

It depends on the lender's caps. Most have 2-5% annual caps and 5-6% lifetime caps. Read your specific loan terms before signing.

Question 2

Can I qualify with cryptocurrency holdings?

Accepted Answer

Some portfolio lenders now count verified crypto assets as reserves or income. Availability varies significantly between lenders as of early 2026.

Question 3

Do portfolio ARMs have prepayment penalties?

Accepted Answer

Many do, typically 3-5 years. Lenders want to earn interest since they're holding the loan. Check terms before committing to any offer.

Question 4

What credit score do I need for South San Francisco?

Accepted Answer

Most lenders want 680 minimum, though some go to 660 with larger down payments. Higher scores unlock better rates and lower margins.

Question 5

How do portfolio ARMs differ from regular ARMs?

Accepted Answer

Portfolio lenders keep the loan and set their own rules. Regular ARMs follow agency guidelines and get sold to investors with stricter requirements.

Portfolio ARMs in South San Francisco: Flexible Financing for Complex Situations