An ARM gives you a lower initial rate for a fixed period — ideal if you plan to sell, refinance, or pay off the loan before it adjusts.
ARM rates are typically 0.5–1% lower than 30-year fixed rates during the initial period.
Your rate won't change during the initial fixed period — plenty of time for short-term buyers.
Annual and lifetime rate caps limit how much your rate can increase when it adjusts.
Many buyers refinance before the initial period ends — locking in a fixed rate at that point.
If rates drop, so could your payment. We monitor the market and tell you when to act.
Wholesale pricing passed directly to you — better than any single bank can offer.
Most buyers qualify for $5,000–$15,000+ in assistance. We find every program and stack them.