Bungalow

Adjustable Rate Mortgages


Resource Lenders offers a variety of adjustable rate mortgage solutions throughout the State of California. Adjustable rate mortgages can be a good choice for certain homeowners who are looking to take advantage of low introductory mortgage rates for set numbers of years. At Resource Lenders, we offer adjustable rate home loans with introductory rates which remain in place for 3, 5, or 7 years. After the introductory rate periods end, the loans then adjust periodically according to their caps, margins, and the indexes which the loans are tied to. Adjustable rate mortgages carry a higher degree of risk as rates can and will change over time. Be sure to speak with a licensed mortgage professional for more information.

  • Call (800) 564-4342 or complete the quote form on this page to request information
  • 3/1, 5/1 and 7/1 ARM options

At Resource Lenders we offer some of the most competitive mortgage rates and closing costs in the industry. Plus, we have over 25 years of experience working with home buyers and homeowners throughout California. Give us a call today or complete the Quote Form on this page to receive a free, no obligation consultation on your next home purchase or mortgage refinance.


  • Ready to Get Started? – 3 Options

  • Adjustable Rate Loans Highlights

    • 3/1, 5/1 and 7/1 ARM Programs
    • For home purchases and refinances
    • Min. of 5% down typically required
    • Competitive rates and closing costs

Apply Now Get a Quote Ask a Question



Adjustable Rate Loan FAQs


The single greatest advantage of taking out an adjustable rate mortgage is to capitalize on the low introductory rates offered by the various products. They can be a wonderful short term financing solution for qualifying home buyers and homeowners. However, borrowers should be aware that after the introductory rate periods end, there is a good chance that the rates of interest may increase. Borrowers should feel confident, when taking out their loans, in their ability to refinance after the introductory rate periods end.

Most adjustable rate mortgages loans require a 5%-20% downpayment. We do offer low and no downpayment solutions such as VA mortgages, USDA Rural Housing Loans, and FHA mortgages. However, most of those programs have fully amortizing fixed rate products.

No. There are times when fixed rate products have lower interest rates than that of the intro rates from adjustable rate mortgages. Be sure to check with your mortgage professional for current pricing.

If you are looking to purchase or refinance a home in the State of California, we’d love the hear from you. The mortgage professionals at Resource Lenders can walk you through the pros and cons of adjustable rate financing so that you can make a well informed financial decision.

The Federal Reserve Board also put together the informational Consumer Handbook on Adjustable-Rate Mortgages.

At Resource Lenders we have over 25 years of experience assisting home buyers and homeowners throughout the State of California with their home financing needs. With today’s technology, it is very easy to share and sign documents online. We even have a web portal where you can Apply Online, track your loan, and upload documents in seconds.

If you are looking to purchase or refinance a home in our backyard in Fresno or Visalia, you can sit down face-to-face with one of our mortgage professionals.

Request a rate quote.