ARM & Interest Only ARM vs. Fixed Rate

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If you choose a mortgage with a fixed interest rate you agree to pay the debt back through fixed monthly payments spread over the entire loan period. Your payment will not change over the life of the loan.

Many ARM mortgages initially have fixed payments for a prescribed period of time. This can be advantageous for borrowers who do not intend to stay in the property long term.

 There are some limitations on how much the rate can increase once the loan goes in the adjustable phase. Your loan officer can show you examples of when and how an adjustable rate mortgage interest rate will change and help you decide if it’s a good option for you.

What is a Mortgage ARM vs. Fixed Rate?

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27433 Tourney Road, Suite 150

Valencia, CA 91355

Phone: 661-290-3333

Fax: 661-857-8396


Pacific Funding Mortgage Division is Licensed by the California Bureau of Real Estate. DRE 1206008.

Licensed by the Department of Business Oversight under the California Financial Lenders Law,

NMLS #243082, DBO #603E309. Loans made or arranged pursuant to a California Financing Law license.

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