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Mountain View sits in one of the most expensive ZIP codes in California. High prices mean borrowers need every rate advantage they can get.
HousingWire flagged that ARM demand is shifting as 30-year fixed rates hit 6.57%. For Mountain View buyers, a portfolio ARM could mean real monthly savings.
680 (typical)
Min Credit Score
5/1, 7/1, 10/1
Common ARM Terms
$1,249,125
Conforming Limit
Non-QM
Loan Classification
Fixed then adjustable
Rate Type
Portfolio ARMs in Mountain View
Portfolio ARMs are non-QM loans. Lenders write their own rules — so your tech stock income or RSU compensation can actually count.
Most lenders want a 680+ credit score and 12 months of reserves. Strong assets often offset income documentation gaps.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Mountain View.
Mountain View sits in one of the most expensive ZIP codes in California. High prices mean borrowers need every rate advantage they can get.
HousingWire flagged that ARM demand is shifting as 30-year fixed rates hit 6.57%. For Mountain View buyers, a portfolio ARM could mean real monthly savings.
Portfolio ARMs are non-QM loans. Lenders write their own rules — so your tech stock income or RSU compensation can actually count.
Retail banks rarely offer true portfolio ARMs. You find them through brokers with wholesale lender access — not online rate comparison tools.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means we can shop portfolio ARM programs most borrowers never see.
Most Mountain View buyers we work with are engineers or founders. Their income looks messy on a W-2 but their balance sheets are strong.
A portfolio ARM lets the lender look at the whole picture. Fixed-rate conforming loans don't have that flexibility.
A 30-year fixed gives you certainty. A portfolio ARM gives you a lower rate for the years you actually plan to hold the property.
Most tech employees in Mountain View move or refinance within 5-7 years. Paying for 30 years of rate protection rarely makes sense.
Santa Clara County loan limits for conforming loans cap at $1,249,125 as of April 2026. Many Mountain View homes exceed that threshold.
Portfolio ARMs fill the gap above conforming limits without jumping to a full jumbo underwrite. That can mean faster approvals and better terms.
The lender keeps the loan instead of selling it. That means more flexible terms and easier qualification for complex borrowers.
Many portfolio lenders accept RSU and stock income. Requirements vary by lender, so program selection matters.
Most programs start at 680. Stronger assets can sometimes offset a lower score depending on the lender.
Common options are 5/1, 7/1, and 10/1 ARMs. The first number is your fixed-rate period in years.
Yes. They pair well with investor scenarios where DSCR or standard income docs don't fit the deal.
We shop your profile across 200+ wholesale lenders. Most retail banks never show you these programs.