Question 1

What makes a portfolio ARM different from a conventional ARM?

Accepted Answer

The lender keeps the loan in-house instead of selling it. That means they set their own terms and can approve income types conventional lenders won't touch.

Question 2

Are portfolio ARMs risky for Campbell buyers?

Accepted Answer

Risk depends on your exit plan. If you're selling or refinancing within 5-7 years, the rate adjustment may never affect you.

Question 3

Can I use RSU income to qualify for a portfolio ARM?

Accepted Answer

Some portfolio lenders accept RSU income. Requirements vary — we'll match you with lenders who fit your specific income profile.

Question 4

What credit score do I need?

Accepted Answer

Requirements vary by lender. Most portfolio ARM programs want 680 or higher, but some go lower with strong assets or large down payments.

Question 5

How do rate caps work on a portfolio ARM?

Accepted Answer

Caps limit how much your rate can move at each adjustment and over the loan's life. Always compare caps across lenders — not just the start rate.

Question 6

Can I use a portfolio ARM to buy an investment property in Campbell?

Accepted Answer

Yes. Portfolio lenders often lend on investment properties with more flexibility than conventional programs. Some programs overlap with DSCR loan structures.

Portfolio ARMs in Campbell, CA — Flexible Rates for Complex Borrowers