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Fixed rates have been punishing buyers. HousingWire flagged a 10.4% weekly drop in mortgage applications as the 30-year hit 6.57% — and ARM demand is shifting as a result.
Portfolio ARMs give Suisun City buyers an alternative. Lower initial rates mean real savings, especially for buyers who won't stay 30 years.
Non-QM / Portfolio
Loan Type
660+
Typical Min Credit
5/1, 7/1, 10/1
Common Structures
12 months typical
Reserves Required
Flexible / Non-QM
Income Types
Portfolio ARMs in Suisun City
Portfolio ARMs are non-QM loans. Lenders set their own rules — not Fannie Mae's. That means more flexibility on income, credit, and property type.
Expect lenders to want a 660+ credit score and 12 months of reserves. Debt-to-income ratios can stretch further than conventional guidelines allow.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Fixed rates have been punishing buyers. HousingWire flagged a 10.4% weekly drop in mortgage applications as the 30-year hit 6.57% — and ARM demand is shifting as a result.
Portfolio ARMs give Suisun City buyers an alternative. Lower initial rates mean real savings, especially for buyers who won't stay 30 years.
Portfolio ARMs are non-QM loans. Lenders set their own rules — not Fannie Mae's. That means more flexibility on income, credit, and property type.
Portfolio lenders keep these loans on their own books. That's why terms vary so widely — each lender prices their own risk.
Most retail banks don't offer these. You need access to wholesale lenders who specialize in non-QM. That's exactly what we do at SRK CAPITAL.
The rate adjustment caps matter more than the start rate. Know your 1st cap, periodic cap, and lifetime cap before you sign anything.
Most portfolio ARMs have 5/1, 7/1, or 10/1 structures. If your exit plan is under 7 years, a 7/1 ARM often beats a 30-year fixed by a full point or more.
A conventional ARM gets sold to Fannie Mae. A portfolio ARM stays with the lender. That difference is what creates flexibility on qualifying criteria.
DSCR loans work for rental income properties. Bank statement loans serve self-employed borrowers. Portfolio ARMs serve buyers who need flexible terms on rate structure and qualifying.
Suisun City sits in Solano County — one of the more affordable Bay Area-adjacent markets. Buyers here are often stretching to compete with East Bay prices.
A lower ARM start rate can be the difference between qualifying and not. For Solano County buyers on a budget, that initial rate reduction is meaningful.
The lender keeps the loan instead of selling it. That lets them set their own qualifying rules and rate terms.
Yes. Portfolio lenders often accept bank statements, asset depletion, or 1099 income. That's a key advantage over conventional loans.
Common structures are 5/1, 7/1, or 10/1. The number before the slash tells you the fixed period in years.
Look at your initial adjustment cap, periodic cap, and lifetime cap. All three limit how high your rate can go.
It can be, especially for fix-and-hold or short-term plays. DSCR loans may fit better if rental income is your qualifying strategy.
Yes. We work with 200+ wholesale lenders, including non-QM specialists who offer portfolio ARM products in Solano County.