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An Adjustable-Rate Mortgage (ARM) Offers a Lower Introductory Interest Rate

  • Affordable Rate & Payments: Low introductory interest rates offer flexibility.

  • Lower Entry Interest Rates: Lower rates may make it easier for you to qualify for a loan.

  • Loan Options: We offer Conventional, Jumbo, Non-QM and Refinance Adjustable-Rate Mortgages. 

  • Choice of term: We offer 10/6, 7/6 and 5/6 Adjustable-Rate Mortgages .

An Adjustable-Rate Mortgage is ideal if you plan to refinance or sell your home before the rate adjusts.

If you’re seeking flexibility and a low rate that you can depend on for the first few years of home ownership, an Adjustable-Rate Mortgage may be a good choice for you.

An Adjustable-Rate Mortgage is a home loan that consists of: 

  • A low introductory interest rate for an initial Fixed-Rate period, such as for 10, 7 or 5 years. A 10/6, 7/6 or 5/6 Adjustable-Rate Mortgage means that you will start with a fixed rate for 10, 7 or 5 years, after which the rate will adjust every 6 months.

  • A variable-rate period for the remainder of the loan that is based on an index rate, which measures the cost of short-term borrowing. 

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

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