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Navigate Home Financing Flexibly with Adjustable-Rate Mortgage Loans

Adapt to changing market conditions with our Adjustable-Rate Mortgage Loans, offering initial lower rates and flexible payment options for dynamic financial planning.

I Want My Adjustable Rate Mortgage Quote!
Adjustable Rate Mortgage Loans

Key Points

  • Lower Initial Interest Rates

Start with lower rates compared to fixed-rate Mortgage Loan, making initial payments more affordable.

  • Rate Adjustments Over Time

Benefit from potential rate decreases, subject to market conditions.

  • Variety of Adjustment Periods

Choose from various adjustment periods to suit your financial goals and risk tolerance.

Adjustable-Rate Mortgage Loan (ARM)

What are the advantages?

  • Lower initial payments.
  • Potential for interest rate decreases.
  • Flexibility for short-term homeownership.
  • Increase yearly rate caps and for the life of the loan.
Asset Based loans

What should I watch out for ?

  • Interest rate and payment can increase over time.
  • Complexity in understanding rate adjustments.
  • Potential for payment shock if rates rise significantly.

Adjustable-Rate Mortgage Loan (ARM)

Adjustable-Rate Mortgage Loans offer a flexible approach to home financing, particularly appealing for those expecting changes in their financial situation or planning to own their home for a short period. With lower initial interest rates, ARMs can be an attractive option for maximizing cash flow in the early years of homeownership.

The possibility of interest rate adjustments provides an opportunity to benefit from falling rates, though it also introduces the risk of increased payments if rates rise. Understanding the specifics of your ARM, including the adjustment frequency and caps on rate changes, is crucial.

adjustable rate mortgage on a Florida home

At The Doce Group we are Dedicated to You

At The Doce Group we are dedicated to helping you navigate the complexities of ARMs, ensuring you choose a loan that aligns with your financial plans and home ownership goals. Let our expert Mortgage Advisors guide you through the intricacies of adjustable-rate financing to find the perfect fit for your situation.

Do I Qualify?

Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.
Adjustable Rate Mortgage Qualifier
15 year content

FAQs

An ARM is a Mortgage Loan with an interest rate that changes over time based on market conditions.
Rate adjustments depend on the specific terms of the ARM, typically occurring annually after the initial fixed period. Most common initial periods are 3, 5, 7 or 10 years.
It depends on your financial situation, type of employment  and tolerance for risk, as rates and payments can increase over time.
Yes, you can refinance an ARM into a fixed-rate Mortgage Loan or another ARM.

Get Your Adjustable Rate Mortgage Quote Now!

I Want My Adjustable Rate Mortgage Quote!

Find The Right Mortgage

  • For more than 36 years, Alex has been helping customers achieve their home purchase and refinance goals by providing them with invaluable resources and support.
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  • Mortgages available in Alabama, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin and Wyoming.

Get started now on making your financial goals a reality.

  • We match you to the loan and interest rate that will make your home your best investment yet.
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Alex Doce NMLS 13817.
The Doce Group Powered by First Community Mortgage NMLS 629700.
For licensing information, go to: www.nmlsconsumeraccess.org.
Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria.

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