Quick highlights
- Lower initial rate than 30-year fixed
- 5/6, 7/6, and 10/6 ARM options
- Initial fixed period 5-10 years
- Caps limit how much rates can rise
- Can save thousands if used strategically
- Refinance or sell before adjustment
Best for:
Buyers who know they'll sell or refinance within the initial fixed period — short-term ownership, planning to upgrade in 5-7 years, or expecting rates to drop within the initial period.
Ready to see what you qualify for?
Every situation is different. Let's talk through your specific scenario and shop it across our lender network for the best terms.