Adjustable-Rate Mortgages Made Simple
Flexible home financing with lower initial rates designed to help you save more in the early years of your loan.
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What Is a
Adjustable-Rate Mortgage (ARM)?
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that starts lower than a fixed-rate mortgage and then adjusts periodically based on market conditions. ARMs are ideal for borrowers who plan to move, refinance, or pay off their loan before the adjustment period begins.
Purchase Loans
Take advantage of lower initial rates when buying a new home.
Rate & Term Refinance
Switch to an ARM to reduce your monthly payment or improve cash flow.
Cash-Out Refinance
Leverage your home equity while benefiting from lower introductory rates..
Why Choose a Adjustable-Rate Mortgage?
Save more upfront with flexible financing options tailored to your goals.
Lower Initial Rates
Enjoy interest rates that are typically lower than fixed-rate mortgages at the start.
Reduced Monthly Payments
Lower payments in the early years can improve affordability and cash flow.
Flexible Loan Terms
Choose from options like 5/1, 7/1, or 10/1 ARMs to match your timeline.
Great for Short-Term Ownership
Ideal if you plan to sell or refinance before the rate adjusts.
Rate Adjustment Caps
Built-in limits help control how much your interest rate can increase over time.
Potential Savings
Benefit from lower initial costs compared to traditional fixed-rate loans.
Not sure if an ARM is right for you?
Our experts will help you understand how adjustable rates work and determine if it fits your financial goals, completely free.
1
Submit your information
2
Let us review your eligibility
3
Get personalized guidance
Why RHS Lending
Expert guidance, personalized solutions, and a smooth path from application to closing
Customized Loan Strategies
We help you choose the right ARM structure based on your timeline and goals.
Experienced Loan Advisors
Work with professionals who understand rate trends and market conditions.
Fast & Efficient Processing
Close quickly and take advantage of favorable rates without delays.
Transparent Communication
We clearly explain how your rate adjusts so there are no surprises.
Frequently Asked Questions
How does an adjustable-rate mortgage work?
An adjustable-rate mortgage (ARM) starts with a fixed interest rate for an initial period (such as 5, 7, or 10 years), after which the rate adjusts periodically based on market index rates. This means your monthly payment may increase or decrease over time depending on current interest rate trends
What happens when the ARM rate adjusts?
When the initial fixed period ends, your ARM interest rate will adjust at scheduled intervals (usually annually). The new rate is based on a financial index plus a margin set by the lender. Most ARMs include rate caps that limit how much your interest rate can increase per adjustment and over the life of the loan.
Is an ARM better than a fixed-rate mortgage?
An ARM can be a better option if you plan to sell, refinance, or pay off your loan before the adjustment period begins, as it offers lower initial rates and payments. However, fixed-rate mortgages provide long-term stability, making them better for borrowers who plan to stay in their home long-term.
What are 5/1, 7/1, and 10/1 ARM loans?
These terms refer to how long your interest rate stays fixed and how often it adjusts afterward. For example, a 5/1 ARM has a fixed rate for 5 years and then adjusts annually, while 7/1 and 10/1 ARMs offer longer fixed periods before annual adjustments. Longer fixed periods typically provide more stability but may come with slightly higher initial rates..
Ready to Lower Your Monthly Payment?
Let RHS Lending help you take advantage of flexible ARM options and save more.