Adjustable Rate Loan

Adjustable Rate Mortgages (ARM) give borrowers a lot of flexibility when it comes to rates. An Adjustable Rate Mortgage is originally fixed at the beginning of the loan period. The interest rate then continues to be fixed for a set amount of time. After that set amount of time is up, the interest rate on the loan then becomes adjusted on a monthly basis. The interest rate is connected to indexes such as the London Interbank Offered Rate (LIBOR).

Adjustable Rate Loans may be the perfect fit for…

  • Homebuyers planning to move from the property in only a few years.
  • Borrowers looking for lower payments at the beginning of their loan.
  • Borrowers who are comfortable with different payments each month after the rate adjusts.

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Loan Features

Rate is fixed at the loan’s origination

When the loan is originated, the interest rate is fixed for a set period of time. This time allows borrowers to become comfortable with the new monthly payments before adjusting.

Borrowers can take advantage of low rate periods

When mortgage rates are low, your monthly payment decreases.

Interest rate caps

There are ceilings placed on the adjustable interest rate. Therefore your monthly payments can only increase so much due to rising rates.

Potential savings

When rates are lower, so is your mortgage payment. That means saving money when rates are lower.

Flexibility in your decision making

Adjustable rate mortgages may give borrowers more flexibility when it comes to moving decisions.


Pacific Sunbelt Mortgage provides you with the tools you need to make the right borrowing decisions. These calculators will give you a basic idea of how key values are determined throughout the mortgage process. Try to ensure the information you enter is as accurate as possible. Always contact one of our Mortgage Advisors for an accurate quote that is best suited for your specific needs.

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