Question 1

What makes a portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps a portfolio ARM instead of selling it. That means more flexible terms, custom structures, and less rigid qualification rules.

Question 2

Can I qualify with self-employment income in Rohnert Park?

Accepted Answer

Yes. Portfolio lenders set their own income rules. Bank statements or asset depletion often work where W-2 documentation doesn't.

Question 3

How long is the initial fixed period on a portfolio ARM?

Accepted Answer

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.

Question 4

Are portfolio ARMs riskier than fixed-rate loans?

Accepted Answer

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.

Question 5

Does SRK CAPITAL have access to portfolio ARM lenders in Sonoma County?

Accepted Answer

Yes. We work with 200+ wholesale lenders, including several that specialize in portfolio products for Sonoma County borrowers.

Question 6

Is a portfolio ARM a non-QM loan?

Accepted Answer

Yes. Portfolio ARMs fall outside standard agency guidelines. Lenders evaluate them using their own criteria rather than Fannie or Freddie rules.

Portfolio ARMs in Rohnert Park: Flexible Rates, Lender-Held Terms