Conforming ARM

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Adjustable-Rate Mortgages Can Have Advantages for Homebuyers

An Adjustable-Rate Mortgage (ARM) typically offers lower rates than a fixed-rate mortgage. Your rate is locked for the first 3, 5, 7, or 10 years and then could adjust up (or down) based on the index it’s tied to. It’s a great way to enjoy initial lower payments for borrowers who might plan on selling or refinancing before their initial fixed period ends.

Reasons to Choose an Arm Loan

  • Lower rates that may allow you to “buy more home”
  • You are going to be in the home for less than the initial fixed period of the ARM
  • You want a potentially lower initial monthly payment or interest rate
  • Possibility of lower payments if interest rates fall
  • Can be used on primary residences, second homes, and investment properties (1-4 units)


An adjustable-rate mortgage (ARM) is a closed-end mortgage loan in which the interest rate is based on a financial index, allowing the interest rate to change if the index goes up or down. Consult your Guardian Mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval. Guardian Mortgage, a division of Sunflower Bank, N.A. | NMLS# 709491 | Member FDIC