What is an Adjustable-Rate Mortgage (ARM)?

An ARM begins with a fixed rate for a set period, then adjusts up or down based on market conditions.

Why consider an ARM in Florence?

Florence homebuyers often choose ARMs for their lower introductory rates, making early payments more affordable if they expect to refinance or move within a few years.

What are the risks of an ARM?

After the initial fixed period, your interest rate can increase, which may result in higher monthly payments depending on market conditions.

Can I refinance an ARM later?

Yes — many borrowers refinance into a fixed-rate mortgage or into another ARM before adjustments begin.

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