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Adjustable Rate Mortgage Loans

These loans have been our most popular product recently. These are 1% adjustable rate mortgage loans with a 5.76% APR.

30 year
30 year
1% ARM
40 year
1% ARM


We also have a very popular adjustable rate mortgage program that has a start rate of 2.25%, fixed for 5 years, that carries with it a 6.25% APR.  

This loan program is an adjustable rate mortgage with added flexibility of making one of several possible payments on your mortgage every month, in order to better manage your monthly cash flow.

It's low introductory start rate allows you to make very low initial mortgage payments and low qualifying rates enable you to qualify for more home. For example, the minimum payment on $100,000 can be as low as $252 a month, on $500,000, as low as $1264.

The minimum payment option can help keep your monthly payments affordable. If the minimum monthly payment is not sufficient to pay the monthly interest due, you can always avoid deferred interest by choosing the interest only option.

An adjustable rate mortgage loan is a great tool to free up cash flow.  Pay off high interest credit cards, car payments etc. and watch your total monthly payments plummet!  Use the low 1% start rate offered by these loans to take equity out of your home for home improvements, upgrades, real estate investments or to have cash for any other reason. The best thing is the rock bottom payment offered by these adjustable rate mortgage loans. 

Not only that, but the start rate is fixed on an annual basis! The low adjustable rates you see above are fixed for the first year of your mortgage. These loans adjust upwards only $75 a year for every $1,000 in payment. On a $500,000 loan as shown above, it would take over 11 years for the minimum payment of the loan to reach the payment of a traditional fixed. Why give all that money to the bank each month? Adjustable rate mortgage loans allow you to keep that money where it belongs, in your pocket!

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