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Adjustable Rate Mortgage

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Adjustable rate mortgages (ARMs) offer a low introductory rate that might be fixed for as little as 1 year and as many as 10yrs.  At the end of that introductory period, the rate has the potential to adjust at periodic intervals as determined by the loan terms.  These adjustments could cause your rate to go up or down based on the index to which the loan is tied.  ARM's are not right for everyone but can be a great tool if applied correctly. 

If you believe you will only be in a home or mortgage for 4 yrs, why pay a premium for 30yrs worth of security?  A 5/1 or 7/1 ARM might be the perfect solution and save you thousands of dollars in lower monthly payments.  Please always remember, ARMs do offer a potential for lower rates but with a potential for greater risk if you misjudge your time in the home.

  • Offers lower initial payments
  • May allow for a larger loan amount
  • Protects you with annual and lifetime rate caps

Is an ARM right for your situation? Find out here

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