Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgages (ARM) are designed for those individuals who aren’t planning on staying in their home for more than seven years. 


Adjustable Rate Mortgages

In addition to being well suited to borrowers who are planning to stay in their homes for less than seven years,  ARMs are also a great option for borrowers who anticipate an increase in their income in the future.  Because these loans have a monthly payment that can fluctuate from one month to the next with the changing interest rate, they aren’t designed for everyone.  However, they often come with an initial period where the interest rate doesn’t change, followed by an extended period of time where the rates fluctuate at preset intervals.  Because of this, they are best for those who don’t plan on staying in the home for long or for those who expect an increase in their income.


With an adjustable rate mortgage, the interest rate starts out far lower than that of a fixed rate mortgage.  This can help you save money on the cost of your mortgage each month, which is great for those just starting out with their first home.  After the initial fixed rate period is over, there is a chance that the interest rate could decrease, meaning that your monthly payment could decrease as well; however, the interest rate could also increase, causing your monthly payment to increase.


Because the interest rates can vary so widely, you need to spend time speaking with your Loan Officer to determine if this is the right loan for you.  CountryFirst Mortgage can go over all of the specifics to help you determine whether this particular type of loan is best suited to your situationand finances.


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CountryFirst Mortgage (“CFM”) is a dba of BM Real Estate Services, Inc., an Equal Housing Lender. Corporate Location: 5016 N. Parkway Calabasas, Suite 200, Calabasas CA 91302. NMLS ID #103098. Please visit NMLS Consumer Access ( for detailed licensing information. Licensed by the CA Department of Business Oversight under the California Finance Lender Law #60DBO78997 and CA Department of Real Estate DRE#01273595, Georgia Residential Mortgage Licensee #59742; NV Broker #4695; AZ BK #0948140; OR #ML-4013. Regulated by the CO Division of Real Estate #CF-99035. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. Texas Principal Location: 21818 Hwy 71 West Suite 102, Spicewood, TX 78669.  Click Here for TX Complaint Recovery Fund Notice

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