Adjustable Rate Mortgages
An ARM can start with a lower rate if you plan to sell, refinance, or pay down the balance before the adjustment period.
Why an ARM?
An adjustable-rate mortgage typically offers a lower initial rate than a comparable fixed-rate loan for a set period (commonly 5, 7, or 10 years). After that, the rate can adjust periodically based on an index plus a margin, within caps. ARMs can make sense if you expect to move, refinance, or grow income before the first adjustment.
About Adjustable Rate Mortgages
We help you compare ARM vs. fixed using your time horizon — not a slogan. You’ll see the initial rate, the adjustment schedule, caps, and a sample payment after the fixed period.
ARMs are available on many conventional, jumbo, and some government programs. We’ll confirm occupancy, loan amount, and credit before recommending one.
The ARM Quote Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.