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Fixed rates are pushing 6.57% right now. HousingWire flagged a 10.4% weekly drop in applications — and ARM demand is shifting as a result.
Portfolio ARMs are picking up that interest. Borrowers who can't fit a conventional box are finding real options here.
Non-QM / Portfolio
Loan Type
5/1, 7/1, 10/1
Common ARM Structures
Lender-Specific
Credit Requirements
Flexible / Alt-Doc
Income Docs
Originating Lender
Loan Held By
Portfolio ARMs in Woodland
Portfolio ARMs are non-QM loans. Lenders set their own rules — no Fannie or Freddie guidelines to satisfy.
Self-employed borrowers, investors, and high-asset buyers with irregular income are the core audience. Credit requirements vary widely by lender.
Local decision guide
Use this guide to connect portfolio arms eligibility, lender expectations, and local market factors before comparing payment options in Woodland.
Fixed rates are pushing 6.57% right now. HousingWire flagged a 10.4% weekly drop in applications — and ARM demand is shifting as a result.
Portfolio ARMs are picking up that interest. Borrowers who can't fit a conventional box are finding real options here.
Portfolio ARMs are non-QM loans. Lenders set their own rules — no Fannie or Freddie guidelines to satisfy.
Not every lender offers portfolio ARMs. Banks and credit unions that hold their own loans are your best starting point.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know exactly which ones portfolio ARMs and what they're looking for.
Portfolio ARMs shine for buyers who plan to sell or refinance within 5-7 years. Paying a fixed-rate premium for 30 years rarely makes sense in that scenario.
The initial fixed period matters most. A 5/1 ARM gives you five years at the lower rate. Know your exit before you commit.
Agency ARMs follow Fannie/Freddie rules. Portfolio ARMs don't — that's the key difference. Terms, margins, and caps are all negotiable.
DSCR loans are another non-QM option for investors. Portfolio ARMs can offer lower initial rates when cash flow projections support the risk.
Woodland is a growing market in Yolo County. It's drawing buyers priced out of Sacramento who still need practical financing.
Investors buying rental properties near UC Davis or the I-5 corridor often use portfolio ARMs to preserve initial cash flow.
The lender keeps the loan instead of selling it. That means they set their own terms and can approve borrowers agencies would turn down.
Mostly self-employed buyers, investors, and high-net-worth borrowers. Anyone whose income doesn't fit standard agency documentation rules.
Your rate adjusts after the initial period. Rate caps limit how high it can go, but you need a plan for when the fixed period ends.
Yes. Investors frequently use them for rental acquisitions. Some lenders qualify you on projected rents rather than personal income.
It depends on the lender. Portfolio lenders set their own minimums — some go below 620, others want 680 or higher. Rates vary by borrower profile and market conditions.