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Begin Your Homeownership Adventure with Our Exceptional Adjustable Rate Mortgages and Seamless Process!


Complete our easy Adjustable Rate Mortgage (ARM) Qualifier.


Explore personalized options tailored to your unique situation.

Compare rates and terms to find the perfect fit for you.

Choose the offer that aligns perfectly with your goals.

What Is An Adjustable Rate Mortgage (ARM)?

An Adjustable Rate Mortgage (ARM) is a type of home loan where the interest rate fluctuates periodically based on market conditions and predetermined factors.

Unlike fixed-rate mortgages, ARMs offer initial lower rates for a set period before adjusting, typically after 5, 7, or 10 years.

ARMs provide borrowers with flexibility and potential cost savings, making them an attractive option for those expecting changes in their financial situation or housing needs.

How Does An Adjustable Rate Mortgage (ARM) Work?

An Adjustable Rate Mortgage (ARM) offers an initial fixed interest rate for a set period, providing stability and predictable payments.

After the initial period, the interest rate adjusts periodically based on market conditions and specific terms outlined in the loan agreement.

Understanding the differences between conforming vs. non-conforming, conventional vs. government-backed, and ARM rates and rate caps is essential for borrowers to make an informed decision about their mortgage.

Conforming Vs. Non-Conforming ARM

Conforming ARMs adhere to loan limits set by government-sponsored entities like Fannie Mae and Freddie Mac, while non-conforming ARMs exceed these limits.

Conforming ARMs typically offer lower interest rates and are more accessible to borrowers who meet specific eligibility criteria.

Conventional Vs. Government-Backed ARM

Conventional ARMs are not insured or guaranteed by the government and typically require higher credit scores and down payments.

Government-backed ARMs, such as FHA, VA, and USDA loans, are insured or guaranteed by government agencies, offering more lenient eligibility requirements for qualifying borrowers.

Adjustable Rate Mortgage (ARM) Rates And Rate Caps

ARM rates consist of an index rate and a margin, which together determine the interest rate adjustment.

Rate caps limit how much the interest rate can change during each adjustment period and over the life of the loan, providing borrowers with protection against significant rate increases.

What Types Of ARMs Are Available?

Hybrid ARMs combine features of fixed-rate and adjustable-rate mortgages, offering an initial fixed period followed by adjustable-rate periods.

Interest-only ARMs allow borrowers to pay only the interest on the loan for a specified period before transitioning to principal and interest payments.

Can I Refinance An Adjustable Rate Mortgage (ARM)?

Yes, borrowers can refinance an Adjustable Rate Mortgage (ARM) to a fixed-rate mortgage or another ARM with more favorable terms.

Refinancing allows borrowers to take advantage of lower interest rates, change loan terms, or consolidate debt, depending on their financial goals and circumstances.

What are the Pros And Cons of Adjustable Rate Mortgages?


  • Initial lower interest rates and monthly payments compared to fixed-rate mortgages.
  • Potential for cost savings if interest rates decrease over time.
  • Flexibility for borrowers who plan to move or refinance before the initial fixed period ends.


  • Uncertainty and potential for higher payments when the interest rate adjusts.
  • Risk of significant rate increases in a rising interest rate environment.
  • Complex terms and potential for misunderstanding among borrowers.

How Do I Know If An ARM Right for Me?

Evaluate your financial situation and future plans: If you expect interest rates to remain stable or decrease, an ARM may offer initial cost savings.

Consider your risk tolerance: If you’re comfortable with potential fluctuations in interest rates and monthly payments, an ARM could be a suitable option.

Consult with a mortgage professional: Discuss your specific needs and objectives with a lender to determine if an ARM aligns with your homeownership goals.

How Do I Qualify For An Adjustable Rate Mortgage?

Meet lender requirements: This typically includes having a stable income, good credit score, and manageable debt-to-income ratio.

Provide documentation: Lenders may require proof of income, employment history, assets, and other financial information during the application process.

Consider down payment and reserves: While ARMs may offer more lenient down payment requirements, having sufficient funds for down payment and reserves can strengthen your application.

Disclaimer: The content on this page is based on regulations and information available at the time of posting, but may change without our knowledge. This content is intended for informational purposes only and does not constitute any legal or binding agreement. 

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Mortgage Quote!


Complete our easy Adjustable Rate Mortgage (ARM) Qualifier.


Explore personalized options tailored to your unique situation.

Compare rates and terms to find the perfect fit for you.

Choose the offer that aligns perfectly with your goals.

Bri is hands down THE best lender we could’ve asked for. We wish we could’ve closed with her but even when we couldn’t do that she went above & beyond to help us with anything she could. Would recommend her to everyone I know!

Samantha Ledesma

Everything was exceptional! Would (and have) recommend to anyone looking to buy a home…communication was great, process was smooth and I am happy! Thank you 🙂

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Maceo, KY

Bri is one of the few mortgage lenders I trust whole heartedly with my clients! I always know she will take excellent care of my people and do anything in her power to get them the best deal possible! Not to mention, she is a fabulous …More

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