Adjustable-Rate Mortgages

Work with an Experienced Mortgage Lender in the Santa Rosa, CA Area


Adjustable-Rate Mortgages

Providing Mortgage Placement putting YOU First as our First Priority

There are many considerations to make before purchasing a home. There are a variety of potential financing options and your decision will have a long term impact on your future. With an adjustable-rate mortgage (ARM), the initial interest rate is fixed for a specified period of time. After that period ends, the interest resets on a yearly or monthly basis based on an external benchmark or index. Depending on your current financial situation and your goals for the future, an adjustable-rate mortgage will have various pros and cons. When it comes time to decide between an adjustable-rate mortgage vs fixed-rate mortgage, You First Mortgage can help you navigate your options. We are a licensed mortgage brokerage that operates in and around Santa Rosa, CA. We’ve established relationships with a variety of mortgage lenders, so we can make the borrowing process simple and convenient by shopping loans for you. 

Once we fully understand your situation and desires for the future, we can help you find a loan that works for you. When it comes to finding great mortgages with great rates and terms, there’s no better firm to choose than You First Mortgage. From processing to underwriting to closing on your new home, we will be with you every step of the way. Contact us today in order to speak with a professional and find out your best course of action. Call (707) 919-3103 or fill out our online contact form. We’re looking forward to hearing from you and helping you find the right financing option for your home purchase.

What Is An Adjustable Mortgage?

With a traditional fixed-rate mortgage, your rate will never change throughout the course of the loan. With an adjustable-rate mortgage, however, interest rates are only fixed for an initial period. After the period ends, your interest rate will reset on a regular basis according to an index. Typically, the initial interest rate on an adjustable-rate mortgage is lower than that of a fixed-rate mortgage. However, this interest rate is subject to go up or down after the initial period is over. In recent decades, rates have tended to trend up and down over multi-year cycles.

Adjustable-Rate Mortgage Pros And Cons

Is an adjustable-rate mortgage right for you? Weigh out the pros and cons with an experienced mortgage professional before you make any decisions. At Your First Mortgage, we’ll help you find the right home loan for your situation.


  • Start off with a low fixed-interest rate
  • Caps put a limit on how much rates can rise
  • Ideal if you plan to pay off the loan in full within a certain period of time
  • Ideal if you have the cash flow to deal with fluctuating rates


  • Rates could potentially rise significantly over the life of the loan
  • In some cases, the annual cap doesn’t apply to the initial adjustment, so the first reset can be a shock

Our adjustable rate mortgage experts can provide the service you need to make the best possible decision. Call us today to get started!


We Can Help You Choose the Best Option for Your Situation

When you weigh the pros and cons of an adjustable-rate mortgage vs a fixed-rate mortgage, you need to consider your own plans and circumstances. If you aren’t planning to stay in the home for more than a few years, a lower-rate ARM may be the better financial decision for you. You can save for a more expensive home while your rate is low. Then, you’ll move out of the home before the adjustable-rate period begins. However, when fixed mortgage rates are low, they may be a better deal regardless of how long you are staying. Contact You First Mortgage to find out which is right for you. We’re a reputable and highly professional mortgage company that assists clients in Santa Rosa, CA and the surrounding areas.


You First Mortgage is a licensed mortgage broker based in Sonoma County, CA. When you partner with us, we put your interests above all other priorities. With versatile real estate industry experience in the local market, our advisors can provide reliable guidance when it comes to choosing home financing options. We are CalHFA Certified for Government Down Payment Assistance.

Providing Mortgage Placement putting
YOU First as our First Priority
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The information contained on this website is presented for informational and marketing purposes only and is not to be understood as financial advice. You should consult with a representative from You First Mortgage for further information, the mere act of contacting You First Mortgage does not create a client relationship. As a result, you should never send any confidential information to our office until representation or client relationship has been established.

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