ARM Loans

Flex your buying power with an ARM.

An ARM loan is an adjustable-rate mortgage. For the first few years of the loan, your interest rate and monthly payments are fixed. This initial ARM rate is typically lower than that of a traditional fixed-rate loan. After the fixed-rate period, the rate adjusts periodically based on a benchmark index rate. Mortgage payments can go up or down during the adjustable period.


  • Ideal for buyers who frequently relocate or plan to move in a few years
  • Short-term cash savings boost, thanks to initial lower monthly payments
  • More buying power to afford a bigger home, more amenities, or a premium location
  • Good for a variety of properties (primary, second, and investment)

Contact Laurie Mays to discover if an ARM loan is right for you and your homeownership plans.