Adjustable Rate Mortgage
Lower initial rates with adjustable terms
- Lower initial rate
- Rate caps
- Multiple adjustment periods
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Portfolio ARM Loans
Personalized ARM Solutions for Complex Financial Situations
What is a portfolio ARM?
A portfolio ARM is an adjustable-rate mortgage held by the lender rather than sold on the secondary market. This gives lenders more flexibility on qualification guidelines and loan terms.
Guide answer
What is a portfolio ARM?
A portfolio ARM is an adjustable-rate mortgage held by the lender rather than sold on the secondary market. This gives lenders more flexibility on qualification guidelines and loan terms.
Reviewed by Sebastian Naranjo, Founder & Co-Owner, Licensed MLO, NMLS #2313958
Review standards
Reviewed lending guidance, not generic mortgage copy
Sebastian Naranjo reviews these guide surfaces for practical lending fit, borrower documentation, and program tradeoffs.
Licensed review
Loan guidance is reviewed by a licensed mortgage professional before it appears in the guide shell.
Program fit
Each page explains who the loan can fit, common tradeoffs, and when another program may be stronger.
California context
The guide keeps state lending context, local market differences, and borrower documentation in view.
When traditional lenders say no, SRK CAPITAL says yes. Our portfolio ARM loans are designed for self-employed borrowers, high net worth individuals, foreign nationals, and unique income situations. Experience asset-based qualification with competitive ARM rates and fully personalized terms that work with your specific financial profile.
160+
Lender Partners
17
Day Fast Close
5★
Client Rating
Better Lending Experience
Straight answers on where your file stands, what the lender still needs, and what happens next.
Bespoke Solutions
ARM terms set around your income, assets, and exit plan, not a one-size-fits-all product.
Portfolio ARM Features
Asset-based lending for borrowers whose income doesn’t fit a standard application: business owners, retirees, investors, and foreign nationals.
Asset-Based Approval Made Simple
Finally, a loan that makes sense for real-world finances. No pay stubs, no tax return complications, no debt-to-income calculations. Qualify based on your assets and financial strength—perfect for entrepreneurs, retirees, and investors who don't fit the traditional employment box but have the wealth to support their loan.
Speed Without Compromise
Portfolio lenders make their own credit decisions in-house, so the file isn’t waiting on an agency system or an outside investor. We get it in front of the underwriter early and keep it moving, which matters when your purchase contract has a deadline.
Million-Dollar Loans, Maximum Flexibility
Access $1M to $3.5M in financing with loan-to-value ratios designed around your assets, not rigid bank formulas. Perfect for luxury primary homes, prestigious second properties, or high-value investment opportunities. Get the substantial financing you deserve with terms that actually make sense for your wealth level.
Rates That Beat the Competition
Why pay more than necessary? Our ARM products start with attractive fixed rates that are often significantly below market averages, giving you immediate savings from day one. Contact us to see current rates that will likely surprise you.
Complete Financial Freedom
Enjoy true flexibility with zero prepayment penalties and no balloon payments. Your loan fully amortizes over 30 years, giving you the freedom to refinance or pay off your mortgage early whenever it makes sense for your financial goals—without any additional costs or restrictions.
No Borders, No Barriers to Homeownership
U.S. citizens, permanent residents, and foreign nationals are all eligible. International assets, business funds from abroad, and foreign income sources are all acceptable with the right documentation, and we know which documents each lender will accept.
Available Loan Programs
3/6 ARM
Competitive Rates Available
Enjoy 3 years of guaranteed rate protection with payments that won't change. Our attractive SOFR ARM gives you budget certainty when you need it most.
5/6 ARM
Competitive Rates Available
Your rate and payment are locked for the first 5 years, then adjust every 6 months off the SOFR index. The longer fixed period suits buyers who plan to hold the property past the 3-year mark.
Ready to Explore Your Portfolio Loan Options?
Contact our experienced team to discuss how our portfolio ARMs can work for your unique financial situation.
Get Current Rates & InfoFrequently Asked Questions
Get answers to common questions about our Portfolio ARM loans
SRK CAPITAL Portfolio Loan Explained
Our Portfolio ARM loans feature Asset Based Qualification - no income verification required. Reserve requirements vary by property type: 12 months of principal and interest payments for primary residences and second homes, 24 months for cash-out refinances and borrowers without credit scores. Additional reserves can actually lower your interest rate.
$1M-$3.5M
Loan Amounts
No Income
Requirement
Ready to Get Started?
Contact our experienced team to discuss how our Portfolio ARM loans can work for your unique financial situation.
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Portfolio ARMs in California
Orange County
34 cities
Aliso ViejoAnaheimBreaBuena ParkCosta MesaCypressDana PointFountain ValleyFullertonGarden GroveHuntington BeachIrvineLa HabraLa PalmaLaguna BeachLaguna HillsLaguna NiguelLaguna WoodsLake ForestLos AlamitosMission ViejoNewport BeachOrangePlacentiaRancho Santa MargaritaSan ClementeSan Juan CapistranoSanta AnaSeal BeachStantonTustinVilla ParkWestminsterYorba Linda
490 city guides across 58 California counties · All 58 counties statewide
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.
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Updated 9/8/2026
Portfolio ARMs | Flexible Adjustable Rate Mortgages
Portfolio ARMs are adjustable-rate mortgages that lenders keep in their own investment portfolios rather than selling to secondary markets like Fannie Mae or Freddie Mac. This allows for more flexible underwriting guidelines, making them suitable for borrowers with unique income sources, self-employment, or non-traditional financial profiles who may not qualify under standard ARM criteria.
- Portfolio ARMs are held by the originating lender, allowing flexible underwriting outside conventional secondary market guidelines
- These loans may suit self-employed borrowers, investors, or those with non-traditional income documentation needs
- Adjustable rates mean payments can change over time based on market index fluctuations and loan terms