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Is an Adjustable-Rate Mortgage Right for You?
Unlike a Fixed-Rate Mortgage, the interest rate for an Adjustable-Rate Mortgage is a variable one. This means your payments will change over the life of the loan. And they could change significantly.
ARMs do have a period of time where the interest is fixed. This rate is usually much lower than market rates, so you could save money on your monthly payments during this time.
This fixed-rate period could be anywhere from one month to 10 years. After this initial period, the rate adjusts to the current market rate.
The biggest advantage to an Adjustable-Rate Mortgage is that it's typically cheaper than a fixed rate mortgage for the first three to seven years. The initial lower payments may also allow you to qualify for a larger loan.
An ARM can also have some significant downsides. With an ARM, your monthly payment may change frequently over the life of the loan. And if you take on a large loan, you could be in trouble when interest rates rise.
Our Adjustable-Rate Mortgage Rates
Rates are subject to change without notice.
- Adjustable
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Frequently Asked Questions
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What can you expect when you apply for a mortgage?
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Should I choose a 15 or 30-year loan?
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What is an adjustable rate mortgage?
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What are closing fees and how are they determined?
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What is title insurance and why do I need it?
Discover More
Get predictable monthly payments
A Fixed-Rate Mortgage lets you make the same monthly payment for the life of your loan. This means there are no surprises to your budget. Find out if it's right for you.

The difference between conforming and jumbo loans
If you're looking at a house that's more than $970,800, you'll need to apply for a Jumbo Loan, but there are still flexible options.

- Flat Fee Services are available for California properties only and do not apply to FHS. Flat fee does not include title and escrow fees. Appraisal fee will be collected up front during the loan application process. Appraisal deposit is credited towards closing costs at funding. Appraisal deposits may by refunded if the loan 1. doesn't fund or 2. is cancelled (withdrawn) before an appraisal is ordered. Appraisal costs may vary based on property and transaction type