Arizona Homeowners and Buyers:
How do you combat rising interest rates?
Purchase or refinance with an adjustable-rate mortgage (ARM).

5-, 7- AND 10-YEAR ARMS

Adjustable-rate mortgages (ARMs) allow you to borrow at a lower rate along with a lower monthly payment. ARMs can be a smart alternative — especially considering that fewer than 10% of borrowers stay in the same mortgage for over seven years: the initial rate could save you hundreds of dollars each month. ARMs are also appealing to borrowers interested in short-term loans on investment properties.

ARM options are available on Conventional, Conventional High Balance and Prime Jumbo loans. Guidelines vary depending on the program.

  • Based on the latest industry-standard SOFR (Secured Overnight Financing Rate) index
  • Fixed rate for 5, 7 or 10 years, then adjust every 6 months with a 1% cap at each adjustment
  • Elite pricing, High Balance and Jumbo options are available
  • Available for primary, second, and investment properties
  • Purchase, rate/term, and cash-out refinance
  • Max LTV 95% for Conventional/80% for Conventional Elite and Prime Jumbo
  • 620+ FICO for Conventional/700+ FICO for Conventional Elite/680+ FICO for Prime Jumbo


  • Loan amounts up to $3M
  • 680+ FICO and up to 45% DTI
  • Up to 80% LTV
  • Eligible on primary, second and investment properties for purchases, rate/term and cash-out refinances
  • One appraisal required for purchase up to $3M and refinances up to $2M*
  • Two appraisals from two different appraisers required for refinances over $2M*
  • Loan amounts greater than $2M require 18 months of reserves in addition to any reserves required by underwriting

Terms and conditions apply: not everyone will qualify.

Apply Online at or call/message me today to discuss options. You can also schedule a no-hassle phone consultation at

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