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Adjustable-Rate Mortgage

Is an Adjustable-Rate Mortgage right for you?

With an Adjustable-Rate Mortgage (ARM), your interest rate and monthly payments will change over time. While there can be some advantages, there are also some risks. Find out if an ARM is right for your specific financial situation.

Why an SF Fire Adjustable-Rate Mortgage?

Rates as low as

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.

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