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Adjustable Rate Mortgage Loans

Adjustable rate mortgage loans are loans that are fixed for a period of time, and then adjust based on a pre-determined index. The advantages of adjustable rate mortgage loans include a lower initial interest rate and payment. This lower rate and payment can sometimes help borrowers qualify for a larger loan amount. Offsetting that benefit, however, is the uncertainty of what your interest rate will be in the future.

Adjustable rate mortgage loans typically stay fixed for terms of 3, 5, 7 or 10 years. The longer the term stays fixed, the higher the rate typically is. Sometimes the features of adjustable rate mortgage loans are coupled with interest only options as well, allowing a borrower to pay just the interest due for the initial term. The disadvantage of this, however, is that once your initial term is over, your payments will increase.

If you are in the market for an adjustable rate mortgage loan, please contact us today to discuss your options. You may find that a traditional 30 year fixed loan is the best option in today's market, but we are always happy to discuss any and all options with you.


Contact me today. Call me at 877.462.3422 or fill in the online form. I can arrange a California home loan, private money or hard money loan. I will personally be in touch with you within the next 24 business hours to answer any questions and to go over your options. This information will not be distributed or sold.

We provide Northern and Southern California home loans for Los Angeles, San Diego, San Francisco, Sacramento, San Jose, Fremont,
Danville, Dublin, Pleasanton, San Ramon, Berkeley, Walnut Creek, Hayward, Antioch, Brentwood, Martinez, Contra Costa & Alameda County. We are California hard money lenders and private money lenders for California. We can provide a hard money loan in California, private money loan, bridge loan or land loan. Looking for California private money or hard money? We can help.

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Chris Goulart, Agent, California DRE Lic. # 01458390 NMLS Lic # 298819 • Real Estate Broker, California DRE Lic. # 01180522

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