Adjustable-Rate Mortgages

Loans with a variable rate after an initial fixed period

Adjustable-Rate Mortgages (ARMs)

Significant short-term benefits.

I will help you understand your ARM options and help you decide if this type of loan is the right fit for your situation.

The ARM Advantage

With an Adjustable-Rate Mortgage (ARM), the interest rate stays the same for an initial fixed period of time and then adjusts based on market conditions. An ARM usually has a lower interest rate than a standard Fixed-Rate Mortgage for the initial fixed period. However, at the end of the initial fixed-rate period, the interest rate becomes variable and may move up or down depending on the direction of a mortgage index it is associated with.

Get Started

I will ask you a series of questions to see if an ARM is right for you.


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Loan Amounts up to:


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Credit Scores as low as:


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Minimum Down Payment:


Types of Adjustable-Rate Mortgages

  • Adjustable-Rate Conventional
  • Adjustable-Rate FHA
  • Adjustable-Rate VA
  • Adjustable-Rate Jumbo
  • Adjustable-Rate Refinance

ARM Features & Qualification

  • ARMs often have lower interest rates and payments than a fixed-rate mortgage during the first years of the loan
  • The homeowner can refinance at the end of the fixed-rate period
  • Payment caps limit the amount that the rate can fluctuate during an adjustment

Who can benefit?

  • Homebuyers who don’t plan on living in the property for longer than the initial fixed-rate period of the ARM and want to take advantage of short-term lower interest rates and monthly payments
  • Homebuyers who plan on refinancing after the end of the fixed-rate period

Is an ARM right for you?

Find Out

Questions about ARMs? Let me help!

Kahren Oxner

Senior Loan Officer | NMLS #590552

(503) 453-6849  

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Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates and conditions are subject to change without notice. Some products and services may not be available in all states.