Row of modern homes in a planned community

Portfolio ARM

Flexible Terms.Smarter Structure.

A portfolio lending path for borrowers who need room beyond standard boxes.

Flexible Structure | ARM Options | Portfolio Review

Financing for qualified borrowers. Program terms are confirmed in the guidelines below.

Program guidelines

Loan purpose

Structure residential financing with ARM options outside standard agency boxes
Purchase or refinance when borrower profile or property strategy requires portfolio review
Support qualified borrowers seeking a flexible long-term loan structure

Loan term

5/6 SOFR ARM
7/6 SOFR ARM
10/6 SOFR ARM

Loan amount

Up to $50 million

Loan to value (LTV)

Purchase and rate-and-term: up to 75% LTV
Cash-out refinance: up to 70% LTV

Minimum credit score

640

Property type

Primary residence
Second home
Investment

Key features & detail

Rate mechanics, optional Interest-only, and an alternate doc path—each spelled out for underwriting.

Index: SOFR, with periodic caps structured as 5/1/5 under program disclosure.
Interest-only payments may be available when LTV does not exceed 60%.
Income documentation: most recent 12 months of personal or business bank statements can qualify the file.

Need help choosing the right program?

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No charge to submit a review. Fees are explained in plain language before you commit.

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