Loading
Loading
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. That shift matters for Rohnert Park buyers watching carrying costs.
Portfolio ARMs aren't sold to Fannie or Freddie. The lender keeps the loan — and writes the rules. That creates real flexibility fixed loans can't match.
Non-QM / Portfolio
Loan Type
3, 5, 7, or 10 yrs
Typical Fixed Period
Lender-set standards
Credit Flexibility
Flexible by lender
Income Docs
200+ wholesale lenders
Lender Network
Portfolio ARMs in Rohnert Park
Portfolio ARMs are non-QM loans. Lenders set their own standards — no agency overlays, no Fannie guidelines dictating every line.
Self-employed borrowers, investors, and high-asset buyers with complex income often qualify here when conventional loans fall short.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Rohnert Park.
HousingWire flagged ARM demand shifting as the 30-year fixed hit 6.57%. That shift matters for Rohnert Park buyers watching carrying costs.
Portfolio ARMs aren't sold to Fannie or Freddie. The lender keeps the loan — and writes the rules. That creates real flexibility fixed loans can't match.
Portfolio ARMs are non-QM loans. Lenders set their own standards — no agency overlays, no Fannie guidelines dictating every line.
Most retail banks don't offer true portfolio ARMs. You find them at credit unions, community banks, and select wholesale lenders.
We work with 200+ wholesale lenders. Several specialize in portfolio products built for Sonoma County price points and borrower profiles.
The initial rate on a portfolio ARM is almost always lower than a 30-year fixed. On a Rohnert Park purchase, that gap can move your monthly payment meaningfully.
Know your exit. If you're holding 5-7 years, the rate structure may never hurt you. If you're unsure, that changes the math completely.
A conventional ARM gets sold to the secondary market. A portfolio ARM stays with the lender — that's why the terms can be negotiated differently.
DSCR loans work for rentals based on property cash flow. Portfolio ARMs work on borrower profile. Different tool, different use case.
Rohnert Park sits between Santa Rosa and Petaluma. Buyers here often have Sonoma County lifestyle goals but Bay Area income complexity.
Remote workers, small business owners, and self-employed buyers are common profiles in this market. Portfolio ARMs are built for exactly that borrower.
The lender keeps a portfolio ARM instead of selling it. That means more flexible terms, custom structures, and less rigid qualification rules.
Yes. Portfolio lenders set their own income rules. Bank statements or asset depletion often work where W-2 documentation doesn't.
It varies by lender. Common structures run 3, 5, 7, or 10 years fixed before the rate adjusts. Terms vary by borrower profile and market conditions.
The rate will adjust after the fixed period. Rate caps limit how far it moves, but you need to plan for that change when the time comes.
Yes. We work with 200+ wholesale lenders, including several that specialize in portfolio products for Sonoma County borrowers.
Yes. Portfolio ARMs fall outside standard agency guidelines. Lenders evaluate them using their own criteria rather than Fannie or Freddie rules.