Adjustable Rate Mortgage

Speak to one of our Senior Loan Officers today to discuss your ARM options

The Lowdown on Adjustable Rate Mortgage

An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

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Adjustable Rate Mortgage Benefits

Intro Rates

Start with lower initial payments thanks to attractive introductory rates.

Market Rates

Periodic rate changes keep your loan in step with current economic conditions.

Future Savings

Potentially save more when market rates dip over the life of your loan.

Flexible Loan Terms

Customize your mortgage structure to match evolving financial goals.

Do I Qualify?

Talk to one of our experienced loan officers for a quick, no-pressure review. We’ll explore every option to find a custom loan solution that fits your needs—even if you’ve faced credit challenges.

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What People Are Saying About AdvantageFirst Lending

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Richard Dickson
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Friendly, prompt, and clear information throughout the process.
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Terence Boodhoo profile picture
Terence Boodhoo
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Sema was from start to finish directly involved in the entire process keeping us updated as to the steps and the time line. Towards the end of this year or into next year I'll be purchasing a second home. My first step will be to call Sema.
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Vincent Talmo profile picture
Vincent Talmo
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“5-Star Review: Excellent Mortgage Refinance Experience! JUSTIN P. JOHNSON” I recently refinanced my home mortgage through Advantage First Lending and couldn’t be more pleased with the experience. From start to finish, the process was smooth, efficient, and stress-free. Justin and his team were incredibly knowledgeable and walked me through every step, answering all my questions with patience and clarity. Not only did I secure a significantly lower interest rate but I was also able to reduce my monthly payments. The paperwork was minimal and handled quickly and I was kept informed throughout the entire process. Closing was fast and convenient, with no hidden fees or surprises. This refinance has brought me both financial relief and peace of mind. I highly recommend Justin and Advantage First Lending to anyone considering refinancing their home They’re professional, reliable, and truly focused on customer satisfaction. JUSTIN P. JOHNSON will be my mortgage guy for life! Sincerely, Vincent A. Talmo
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John Billington profile picture
John Billington
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My loan officer, Justin O Johnson was great to work with. The refinance process with sign offs is automated well online. I was especially appreciative of the work Justin and his team did with obtaining preliminary underwriting approval before we went through with the appraisal process. Thank you for your support Justin.
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James Simanski profile picture
James Simanski
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Justin p Johnson was the most patient and kind person I’ve ever dealt with Very professional
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KC Johnson profile picture
KC Johnson
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We had an amazing experience working with Justin p. Johnson. He is well informed and made the refinancing process a breeze.
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peter smith profile picture
peter smith
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Justin has been an excellent partner from the very beginning of the process and right up to the end. I would highly recommend Justin and his entire team at Advantage1st. Peter Smith
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Benny Sanzari profile picture
Benny Sanzari
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Justin P Johnson was very helpful,answered all questions and was always there to answer my calls,emails,texts. A+
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Bonita Whittaker
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My loan started off shaky.. I wasn’t getting the follow up that I was expecting until a new loan person was assigned after I voiced my displeasure.That person was Ethan Pope. He was fantastic! He was right on top of things and kept me apprised of everything, and offered assistance if I needed any additional help with anything. He was truly the blessing I needed at the time. It was really a pleasure working with him, and I can’t say enough good things about him. Professional, courteous, informative and prompt. He made my experience a pleasure working with Advantagefirst Lending.

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The market is changing constantly; your quote will vary on a variety of factors. Talk to one of our Senior Loan Officers today or apply online to get your custom quote