Loading
Fixed rates above 6.5% are pushing more Dinuba buyers toward ARMs. HousingWire flagged a spike in ARM demand as the 30-year fixed hit 6.57%.
Portfolio ARMs sit outside standard secondary-market rules. That means lenders can bend on income docs, property type, and loan structure.
660+
Typical Min Credit Score
20%
Typical Min Down Payment
5/1, 7/1, 10/1
Common ARM Structures
Non-QM Portfolio
Loan Type
12 months
Reserves Often Required
Portfolio ARMs in Dinuba
Portfolio ARMs are non-QM loans. Lenders set their own guidelines — credit score minimums, income docs, and reserve requirements vary widely.
Most portfolio lenders want at least 20% down and 12 months of reserves. A 660+ credit score is a common floor, but some go lower with stronger assets.
Retail banks rarely advertise portfolio ARMs. You won't find them on Zillow's rate comparison tools. These products live in wholesale and private lending channels.
SRK CAPITAL works with 200+ wholesale lenders — several specialize in portfolio ARM products for Central Valley buyers and investors.
Portfolio ARMs make sense when the fixed-rate premium doesn't match your hold time. If you're out in 5-7 years, paying for a 30-year fixed is often a bad trade.
Tulare County agricultural investors use these frequently. Farms, rural parcels, and mixed-use properties don't fit conforming boxes — portfolio lenders fill that gap.
A DSCR loan prices off rental income. A portfolio ARM prices off your full financial profile. For owner-occupants, portfolio ARMs often beat DSCR on rate.
Bank statement loans verify income differently but usually come fixed. Portfolio ARMs add rate flexibility on top of relaxed documentation — that's a different risk equation.
Dinuba sits in the heart of Tulare County's ag economy. Rural and agricultural properties here rarely qualify for conventional financing.
Portfolio ARMs give local buyers and investors a path to properties that conforming lenders won't touch. That includes working farms, large acreage, and mixed-use parcels.
The lender keeps it on their books instead of selling it. That gives them flexibility on terms, income docs, and property types.
Yes — this is one of the best uses. Portfolio lenders don't follow Fannie/Freddie rules, so ag and rural parcels are in play.
It depends on the loan structure — common options are 5/1, 7/1, and 10/1 ARMs. Your rate is fixed for the initial period, then adjusts annually.
Most portfolio lenders start around 660, but some go lower with strong assets or larger down payments. Rates vary by borrower profile and market conditions.
No. Owner-occupants use them too, especially when the property type or income structure doesn't fit a conventional loan.
You won't find them on standard rate comparison sites. A wholesale broker with non-QM access is your best path to these products.