Lower Your Monthly Payment with an ARM—Ideal for Short-Term Homeowners
VA-backed ARMs with rate caps and no hidden fees. See if you qualify in 60 seconds.
VA-backed
Rate caps
No hidden fees
How ARMs Work
⏱️
Fixed intro for 5/7/10 yrs
Lower initial rate during the intro period.
🎚️
Adjusts annually
After the intro, adjusts by index + margin at set intervals.
🛡️
Rate caps apply
Caps limit how much and how fast your rate can change.
ARM vs Fixed-Rate
Pros
- Lower initial payment
- Good for shorter horizons
- Potential savings if you refinance
Cons
- Payment may rise after intro
- Variable over time
Estimate ARM vs Fixed
Quick estimate of potential monthly payment difference. For illustration only; actual terms vary.
Estimated monthly payment
ARM intro
$1933
Fixed-rate
$2155
Potential monthly difference: $222
Actual payments depend on program details, APR, MI, taxes, and insurance.
Choose your path
I’m refinancing soon
Streamline with IRRRL and consider ARM intro savings.
I’m buying a home
Compare ARM vs fixed for your horizon and budget.
I want cash out
Access equity while considering ARM structure.
Trusted by borrowers
VA-backed
No hidden fees
Secure application
NMLS: 2530539
Equal Housing Lender
“The ARM intro period fit our 5-year plan perfectly.”
“Clear explanation of caps and adjustments—no surprises.”
FAQs
Get Your Free Refi Quote
Submit your information and a VA loan specialist will contact you with a personalized savings report.