Question 1

What makes a portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps it instead of selling it. That means they write their own guidelines — not Fannie or Freddie rules.

Question 2

Can self-employed buyers in Vacaville qualify?

Accepted Answer

Yes. Portfolio ARMs are non-QM, so bank statements or asset depletion can replace tax returns.

Question 3

How long does the initial fixed rate period last?

Accepted Answer

Most programs offer 5, 7, or 10-year fixed periods before the rate adjusts. Your timeline should drive that choice.

Question 4

Is a portfolio ARM right for an investment property?

Accepted Answer

It can be. Investors with complex income often use portfolio ARMs alongside DSCR loans depending on cash flow and rate.

Question 5

What credit score do I need in Solano County?

Accepted Answer

Most lenders start at 680, though some go lower with stronger reserves or a larger down payment.

Portfolio ARMs in Vacaville: Flexible Rates, Lender-Held Terms