Financing/Portfolio ARM
Portfolio ARM
Portfolio ARMs tie adjustments to SOFR with published caps—useful when you want a lower start rate today and a defined roadmap for resets tomorrow, plus room for interest-only or bank-statement income stories.
Program snapshot
Loan amount
Up to $50 million
LTV
75% purchase/R&T · 70% cash-out
Credit score
640 minimum
ARM options
5/6, 7/6, 10/6 SOFR ARMs
IO option
Interest-only to 60% LTV max
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
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 a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.