🏠 This residential loan program is exclusively available for Texas borrowers.
← All Loan Programs📊 ARM
Adjustable Rate Mortgages (ARM)
Lower initial rates that adjust after a fixed period — ideal for shorter-term ownership.
Apply for This LoanOverview
An ARM offers a lower fixed interest rate for an initial period (5, 7, or 10 years) that then adjusts annually based on a market index. ARMs can save thousands in interest if you plan to sell or refinance before the adjustment period begins.
- Lower starting rate than 30-year fixed
- Ideal if you'll sell or refinance before adjustment
- Initial savings can be significant on large balances
Loan Specifications
Min Amount
$100,000
Max Amount
No limit
Loan Term
30 years (adjusts after initial period)
Max LTV
Up to 95%
Amortization
30 years
Rate Type
Fixed initial period, then adjustable (5/1, 7/1, 10/1)
Eligibility Criteria
- Minimum 620 credit score
- Primary, secondary, or investment properties
- Standard income and employment documentation
- Understanding of rate cap structure required
Required Documents
Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.
- 2 years W-2s and tax returns
- Last 30 days pay stubs
- 2 months bank statements
- Property appraisal