Adjustable-Rate Mortgages (ARM) are Available!

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Is an adjustable-rate mortgage (ARM) right for you?

Adjustable Rate Mortgage

About Adjustable-Rate Mortgage Options

An ARM is an Adjustable Rate Mortgage. Unlike fixed-rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is typically lower then that of a fixed-rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own a rental house for only a few years.

However, today’s fixed rates are so low, it’s extremely rare that we’d recommend an ARM to you.  If you are only going to buy an investment house and own it for a few years, skip it!  You won’t make up for the closing costs, even with the lower initial rate of an ARM.

Real estate investing is a long term get right slowly strategy.  It’s very rare for an ARM to be the right loan for you as a real estate investor.

We’re here to make it easier, with tools and expertise that will help guide you along the way, starting with our Adjustable-Rate Mortgage Qualifier.  So, if you really want an ARM, we’ll work with you and show you the numbers.  If, in fact, it’s the best loan for you, we make it easy to buy your next rental house with an ARM.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

The Adjustable-Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Complete our simple Adjustable Rate Mortgage Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Do I Qualify?

Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner may refinance into another adjustable-rate mortgage, a fixed-rate mortgage, or sell the home.

Benefits of Adjustable-Rate Mortgage (ARM)

  • Conforming Loans – Easier to Underwrite
  • Lower rates and payments
  • Initial fixed term of 3 to 10 years before they adjust

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