Buying a home but not sure you want to lock into a long term rate right away? An Adjustable Rate Mortgage (ARM) lets you start with a lower initial rate for a set period such as 3 or 5 years. That means lower monthly payments upfront compared to many fixed rate options. After that initial period, the rate adjusts based on the market. This can be a strong option if you plan to refinance, sell, or expect your income to increase before the adjustment period. It gives you room to breathe upfront instead of stretching yourself too thin from day one. If you think this could fit your situation, reach out and we can walk through it together. 🏦✅
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