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It is our mission to create the best loan program to meet your unique financial goals. Our rates coupled with our programs will make your loans even more affordable!

What is a Mortgage ARM vs. Fixed Rate?

  • If you choose a mortgage with a fixed interest rate you agree to pay the debt back through fixed monthly payments spread over the entire loan period. Your payment will not change over the life of the loan.

  • Many ARM mortgages initially have fixed payments for a prescribed period of time. This can be advantageous for borrowers who do not intend to stay in the property long term.

  • There are some limitations on how much the rate can increase once the loan goes in the adjustable phase. Your loan officer can show you examples of when and how an adjustable rate mortgage interest rate will change and help you decide if it’s a good option for you.