Question 1

What makes a portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps the loan instead of selling it. That means more flexible terms and easier qualification for complex borrowers.

Question 2

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

Accepted Answer

Many portfolio lenders accept RSU and stock income. Requirements vary by lender, so program selection matters.

Question 3

What credit score do I need for a portfolio ARM?

Accepted Answer

Most programs start at 680. Stronger assets can sometimes offset a lower score depending on the lender.

Question 4

How long does the initial fixed rate period last?

Accepted Answer

Common options are 5/1, 7/1, and 10/1 ARMs. The first number is your fixed-rate period in years.

Question 5

Are portfolio ARMs available for investment properties in Mountain View?

Accepted Answer

Yes. They pair well with investor scenarios where DSCR or standard income docs don't fit the deal.

Question 6

How does SRK CAPITAL find the best portfolio ARM for my situation?

Accepted Answer

We shop your profile across 200+ wholesale lenders. Most retail banks never show you these programs.

Portfolio ARMs in Mountain View: Flexible Financing for Silicon Valley