Adjustable Rate Mortgages on the Cheap!

Get a FREE quote on an ARM & save thousands of dollars per year.

Owning a home can often feel like an elusive goal, especially for those navigating fluctuating financial circumstances. At Optimal Loans, we're dedicated to making this aspiration achievable. An Adjustable Rate Mortgage (ARM) offers a flexible solution tailored to those seeking initial lower monthly payments. Let’s explore the advantages of ARM and how it can adapt to your changing financial needs, potentially easing the path to your new home.

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DO I QUALIFY?

Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.

ARM LOAN QUALIFIER

“Karan, Efren, and their team have been a pleasure to work with during my first home purchase. They move extremely quick (closed in 18 days!) and kept up constant lines of communication throughout the entire process. They have maintained a courteous and professional demeanor the entire time and looked out for my best interest. Would highly recommend working with Optimal Loans for anyone looking to do any home shopping!”

Steffon Rice

The ARM Mortgage Loan Process

Here’s how our home loan process works:

Complete our simple Adjustable Rate Mortgage Qualifier
Adjustable Rate Mortgage (ARM)
Receive options based on your unique criteria and scenario
Choose the offer that best fits your needs
Fixed Rates
Adjustable Rate Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA, & USDA Loans
Terms from 5 to 30 Years

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More About ARM Mortgage

Our Adjustable Rates Are Low & Our Process is Quick & Painless

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’re here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier.

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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Get Your Mortgage Rate Quote in Just 30 Seconds!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below: