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Campbell sits in the heart of Silicon Valley. Property values here are high, and many buyers have income that doesn't fit a standard W-2 box.
HousingWire flagged a jump in ARM demand as 30-year fixed rates hit 6.57% as of early April 2026. Portfolio ARMs are drawing real attention from Campbell buyers who want lower initial rates.
680+
Typical Min Credit Score
5, 7, or 10 yrs
Common Initial Fixed Period
Non-QM / Portfolio
Loan Type
Set by lender
Loan Limits
Adjustable w/ caps
Rate Type
Portfolio ARMs in Campbell
Portfolio ARMs are non-QM loans. Lenders set their own rules — not Fannie Mae's. That means more flexibility on income, assets, and credit history.
Expect lenders to want strong reserves, solid credit, and a clear repayment story. Most require 12-24 months of bank statements or asset documentation.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Campbell.
Campbell sits in the heart of Silicon Valley. Property values here are high, and many buyers have income that doesn't fit a standard W-2 box.
HousingWire flagged a jump in ARM demand as 30-year fixed rates hit 6.57% as of early April 2026. Portfolio ARMs are drawing real attention from Campbell buyers who want lower initial rates.
Portfolio ARMs are non-QM loans. Lenders set their own rules — not Fannie Mae's. That means more flexibility on income, assets, and credit history.
Most big retail banks don't offer portfolio ARMs. You find them through portfolio lenders, credit unions, and wholesale channels.
At SRK CAPITAL, we work with 200+ wholesale lenders. We can shop portfolio ARM programs that most borrowers never find on their own.
Portfolio ARMs work best when you plan to sell or refinance before the rate adjusts. Know your exit before you sign.
Self-employed founders and tech executives in Campbell are a natural fit. Their income is real — it just doesn't look clean on a tax return.
A 30-year fixed gives you predictability. A portfolio ARM gives you a lower initial rate — often meaningfully lower in the early years.
DSCR loans work for rental properties. Bank statement loans suit self-employed buyers. Portfolio ARMs can serve both, depending on the lender's program.
Campbell's proximity to major tech employers means many buyers have RSUs, bonuses, or equity comp. Standard loans often choke on that income type.
Santa Clara County's high price points push many buyers past conforming loan limits. Portfolio ARMs have no agency loan caps — lenders set their own max.
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.
Risk depends on your exit plan. If you're selling or refinancing within 5-7 years, the rate adjustment may never affect you.
Some portfolio lenders accept RSU income. Requirements vary — we'll match you with lenders who fit your specific income profile.
Requirements vary by lender. Most portfolio ARM programs want 680 or higher, but some go lower with strong assets or large down payments.
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.
Yes. Portfolio lenders often lend on investment properties with more flexibility than conventional programs. Some programs overlap with DSCR loan structures.