Question 1

What makes a portfolio ARM different from a regular ARM?

Accepted Answer

The lender keeps it on their own books instead of selling it. That means they set the rules — not Fannie or Freddie.

Question 2

Can I use a portfolio ARM on a rental property in Windsor?

Accepted Answer

Yes. Portfolio lenders often allow investment properties. Terms vary by lender and deal structure.

Question 3

What happens when the ARM adjusts after the fixed period?

Accepted Answer

Your rate changes based on an index plus a margin. Rate caps limit how much it can move per adjustment and over the loan's life.

Question 4

Do I need full tax returns to qualify?

Accepted Answer

Not always. Many portfolio lenders accept bank statements or asset depletion instead of tax returns.

Question 5

Is a portfolio ARM a good fit if I plan to sell in five years?

Accepted Answer

Often yes. You get the lower initial rate and sell before the first adjustment. That's one of the strongest use cases.

Question 6

How do I find portfolio ARM lenders in Sonoma County?

Accepted Answer

They're mostly wholesale — not retail. A broker with wide wholesale access is the most efficient way to compare options.

Portfolio ARMs in Windsor, CA — Flexible Loans for Complex Profiles