- 24445 Hawthorne Blvd #201, Torrance CA 90505
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At Finance West Lending, we know that most homeowners don’t stay in the same house for 30 years. That’s why an Adjustable-Rate Mortgage (ARM) can be a smart choice. With a lower introductory interest rate and reduced monthly payments in the early years, ARMs allow many buyers to save money upfront and invest those savings elsewhere.
If you’re planning to move, upgrade, or refinance within 5 to 10 years, an ARM may give you the best balance of affordability and flexibility.
ARMs typically start with a lower rate than 30-year fixed mortgages.
Common options include 5/1, 7/1, or 10/1 ARMs, where your rate is fixed for the first 5, 7, or 10 years.
After the fixed period, your rate adjusts based on market conditions.
Lower initial payments may help you qualify for a larger home.
Perfect for buyers who don’t expect to keep their mortgage for 30 years.
ARMs start with lower interest rates than 30-year fixed mortgages, making your early monthly payments more affordable.
If you plan to move, sell, or refinance within the first 5–10 years, you’ll benefit from the lower rate.
A 30-year fixed offers long-term stability, while an ARM gives you short-term savings with the possibility of future adjustments.
ARMs generally offer lower monthly payments than shorter-term fixed loans.
A 15- or 20-year loan builds equity faster but comes with higher monthly payments.
ARMs are better if you want lower payments now and don’t plan to stay for decades, while shorter fixed terms are best if you want to pay off your home quickly.
Lower initial payments free up money for savings, retirement, or home improvements.
Perfect for people who plan to relocate, upsize, or refinance before the fixed period ends.
Lower qualifying payments may help you afford more home.
If rates drop or your plans change, refinancing can lock in a new fixed loan.
An Adjustable-Rate Mortgage could be your best option if you:
Don’t expect to stay in your home for 30 years.
Want lower monthly payments in the first 5–10 years.
Are buying a starter home or planning to move within a decade.
Prefer to take advantage of today’s lower ARM rates and refinance later if needed.
At Finance West Lending, our mortgage experts help you compare ARM loans, 30-year fixed mortgages, and shorter fixed terms so you can choose the financing strategy that best matches your goals.
We’ll help you:
Explore ARM loan options like 5/1, 7/1, and 10/1 ARMs.
Compare introductory rates vs. long-term costs.
Understand potential adjustments and caps.
Build a smart plan for your homeownership timeline.
At Finance West Lending, we believe your mortgage should fit your lifestyle, not the other way around. If you’re not planning to stay in one home for decades, an ARM could save you thousands.
Let the Experts at Finance West give you the Options to Explore the Benefits
310-373 2000
LoanOfficer@FiWest.com
DRE 01970326 NMLS 1494813
