adjustable rate mortgage

Adjustable-Rate Mortgage (ARM)

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Finding Your Dream Home Starts with the Right Mortgage

Settle in with low introductory rates*

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Low Initial Fixed Rate

Save with a low initial rate from loan closing until your first rate adjustment.

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Transparent Terms

Transparency is key to a successful relationship with your mortgage lender – count on us to deliver a home loan with details that you can easily understand.

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Quick Closing

We don’t hesitate when helping you climb the home ownership ladder. Reach out to a RadiFi mortgage officer today to get a swift decision on your home mortgage application.

An Adjustable-Rate Mortgage (ARM) is a mortgage in which the interest rate can change periodically depending on changes in a corresponding financial index that’s associated with the loan. Your monthly payment can increase or decrease if the index rate goes up or down.

An ARM typically starts with a fixed rate for a set period of time and then adjusts at set intervals. After this initial fixed period, the rate can adjust up or down in intervals depending on market conditions.

ARMs are a good option for buyers who:

  • Plan to move before the end of the introductory fixed-rate period, so you aren’t concerned about possible rate increases
  • Want an initial monthly payment lower than a fixed-rate mortgage usually offers
  • Think interest rates may go down in the future

Everyone’s financial situation is different. With ARMs, it is your financial situation combined with the state of the economy and other factors like how long you plan on being in your home.


Our local mortgage experts are ready and able to answer your questions regarding home buying, refinancing, home equity lines of credit, and much more.

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*Initial or Note Rate is subject to change without notice. Good on primary residences only. Initial or Note Rate periods of 5, 7 or 10 years are available with adjustments taking place every 1 year after the initial fixed period. The first rate adjustment will be no greater than 2% over the note rate, with no more than 2% adjustments for each subsequent adjustment. The maximum adjustment from the Note Rate for the life of the loan is 5%. A loan with an initial fixed period greater than 5 years will be qualified at the initial note rate. The interest rate for each adjustment is based on the index value 45 days before the interest rate change date.

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