Adjustable-Rate Mortgages in Phoenix AZ— Lower Starting Rate That Adjusts Over Time
Looking for a lower payment in the first few years of your mortgage? An adjustable-rate mortgage starts with a lower rate than a 30-year fixed. After the fixed period ends, the rate adjusts with the market. If you don't plan to stay in the home long-term, an ARM can save you real money. I'll show you the numbers side by side with a fixed-rate loan so you can pick the right one.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need Adjustable-Rate Mortgages
An adjustable-rate mortgage makes sense when you know you won't be in the home for the full 30 years. Maybe you're buying a starter home and plan to move up in five or seven years. Maybe you're getting a job transfer at some point. Maybe you want a lower payment now to free up cash for investing or paying down other debt. ARMs are also useful when fixed rates are high and you expect rates to drop in a few years, so you can refinance into a lower fixed loan later. I'll walk you through every ARM option — 5/1, 7/1, 10/1 — and explain exactly what happens after the fixed period ends.
Our Adjustable-Rate Mortgages Process
Here's how we get you into an ARM. Call or text me and we'll talk through your timeline — how long you plan to stay in the home, your savings, and your goals. I'll pull a soft credit check and quote you both an ARM and a fixed loan so you can compare them. If the ARM math wins for your situation, I'll send a same-day pre-approval letter. Once you're under contract on a home, my AI document tools speed up the paperwork side. Most ARMs close in 21 to 30 days. I'll keep you posted at every step, and I'll explain exactly when and how your rate could change after the fixed period.
Adjustable-Rate Mortgages Cost in Phoenix
ARM rates depend on your credit, your down payment, and how long the fixed period lasts. Longer fixed periods (10/1) usually have slightly higher starting rates than shorter ones (5/1). I shop dozens of lenders to find the best ARM for your situation. You'll see every fee, every rate, and every adjustment cap in writing before you commit. No hidden costs. If a fixed-rate loan would be cheaper for you over the time you actually plan to stay, I'll tell you that too.
Why Choose Us
I've helped homeowners across Phoenix figure out whether an ARM or a fixed loan is the smarter call for their situation. Ten years in the business and 50-plus five-star reviews. I shop dozens of lenders for the best ARM rates instead of pushing you toward one bank's product. Same-day response on every call and text. I'll always be straight with you — if an ARM doesn't fit your timeline, I'll steer you toward a fixed loan instead.
Ready to Get Started?
Curious whether an ARM could save you money? Call or text Mark at (480) 690-9790 and I'll run the numbers for free today.
For more rate-structure options, see all of our Mortgage Broker services in Phoenix.