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Portfolio ARMs are not sold to Fannie Mae or Freddie Mac. Lenders keep them in-house, which means they set their own rules.
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. That shift is exactly why portfolio ARMs are getting a harder look right now.
680+
Typical Min Credit Score
5, 7, or 10 Years
Common Fixed Period
Non-QM
Loan Classification
200+ Wholesale
Lender Access
Portfolio ARMs in Vacaville
These are non-QM loans. That means standard debt-to-income limits do not apply the same way they do on conventional loans.
Lenders typically want strong reserves, solid assets, or verifiable cash flow. A 680+ credit score is a common starting point across most portfolio ARM programs.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Portfolio ARMs are not sold to Fannie Mae or Freddie Mac. Lenders keep them in-house, which means they set their own rules.
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. That shift is exactly why portfolio ARMs are getting a harder look right now.
These are non-QM loans. That means standard debt-to-income limits do not apply the same way they do on conventional loans.
Most retail banks won't touch portfolio ARMs. Credit unions and private lenders hold the bulk of this market.
At SRK CAPITAL, we have access to 200+ wholesale lenders. That reach matters when you need a loan that most shops won't quote.
Portfolio ARMs work best for borrowers with a clear exit plan. Think: sell in 5 years, refinance when rates drop, or pay off early.
The initial fixed period — often 5, 7, or 10 years — locks your rate before it adjusts. Know your timeline before you commit to any ARM product.
A conventional ARM follows agency guidelines. A portfolio ARM does not. That difference opens the door for self-employed borrowers and investors.
Bank statement loans and DSCR loans solve similar problems but price differently. A portfolio ARM may win on rate when your hold period is short.
Vacaville sits between Sacramento and the Bay Area. Many buyers here work in one metro and commute to the other — that mixed income picture fits non-QM well.
Solano County draws buyers priced out of the Bay. A portfolio ARM can lower the initial payment and make that stretch more manageable on day one.
The lender keeps it instead of selling it. That means they write their own guidelines — not Fannie or Freddie rules.
Yes. Portfolio ARMs are non-QM, so bank statements or asset depletion can replace tax returns.
Most programs offer 5, 7, or 10-year fixed periods before the rate adjusts. Your timeline should drive that choice.
It can be. Investors with complex income often use portfolio ARMs alongside DSCR loans depending on cash flow and rate.
Most lenders start at 680, though some go lower with stronger reserves or a larger down payment.