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An ARM offers lower initial payments with flexible terms, like 5/1, 7/1, and 10/1 options. ARMs provide an affordable path to homeownership with competitive starting rates and the potential for future savings.
My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!
What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.
My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!
I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."
The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.
This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.
With a 5/1 ARM, enjoy low fixed payments for five years before the rate adjusts. Ideal for buyers who plan to move or refinance soon.
Secure a low fixed rate for seven years with a 7/1 ARM. Perfect for homeowners who want more time to plan for future adjustments.
A 10/1 ARM offers a full decade of fixed rates, providing stability with the flexibility to adjust later. Great for buyers wanting stability upfront.
An ARM starts with a fixed interest rate for an initial period (such as 5, 7, or 10 years), followed by a rate that adjusts periodically based on market conditions. This structure allows you to benefit from lower rates upfront, with adjustments occurring annually after the fixed period.
In ARM terms, the first number represents the initial fixed-rate period in years, and the second number indicates how often the rate adjusts after that period. For example, a 5/1 ARM has a fixed rate for five years and then adjusts annually.
Yes, ARMs typically have caps that limit how much the interest rate can change. These include initial adjustment caps, periodic adjustment caps, and a lifetime cap that keeps rates from exceeding a certain level over the life of the loan.
Our homebuying resources offer expert tips, guides, and tools to help you navigate every step, from budgeting to closing on your dream home.
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call 844-645-6937 for details and qualifying information.
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