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Mortgage Planning

To ARM or Not to ARM?


For some, an adjustable rate mortgage (ARM) is an automatic no.

If that’s the case, it’s usually for one of three reasons.

1. They’re uncomfortable with any risk.

2. They’re unaware of how a Hybrid ARM works.

3. They can predict the future with relative certainty.

For others, an ARM is a valuable financial tool.

A Hybrid ARM is actually a fixed rate loan for the first 3, 5, 7 or 10 years.

During the fixed period, there is no risk and typically a healthy savings.

Having reasonable expectations for future sale or refinancing is all it takes to make a Hybrid ARM worth considering.

It doesn’t cost anything to be armed with the facts. Call if you would like to learn more. We’re always happy to show you the difference.