Demystifying the ARM

Take advantage of a Network Capital Adjustable Rate Mortgage (ARM) with a low start rate that is FIXED for 3, 5, 7, or 10 years.

Interesting facts about ARM’s
  • Most people refinance or sell their home within 5-7 years
  • Almost every country only issue ARM’s
  • Over any 5 year period the 1 year ARM outperformed 30 year fixed for the past 40 years.
  • No prepayment penalties or balloon payments
  • Only adjusts once a year and has yearly & lifetime cap
How do you know if an ARM is right for you?
  • You plan on moving your home in the next 5 years
  • You are unsure of what are you are going to do in the future
  • First time homebuyer and unsure of what the future may bring
  • You would like the extra cash-flow now and will closely monitor
What happens to your rate when it becomes adjustable?
  • Keep it and enjoy the low rate.
  • Refinance into another low rate ARM or Fixed
  • Sell the home and upgrade to your dream home.

If you decide to sell your home or fixed rates drop during the term of your loan, refinance into a fixed rate mortgage with no hassles. While the average homeowner only keeps their home loan for seven years ARM start rates have been historically lower than thirty year fixed rates. Why pay more for your mortgage if you don’t have to? Network Capital doesn’t charge any lender fees so you can refinance out at anytime.

Self-use tools such as our Calculators and Home Value Estimator are at your disposal if you would like to do preliminary research.

Great reasons to choose Network Capital

12+ years strong. We’re here for you now and years to come. Our comprehensive savings analysis is free and there’s absolutely no obligation.

  • NO LENDER FEES (application, origination, lock in, processing, or underwriting!)
  • Most Competitive rates available
  • Close in as little as 10 Business Days (depending on loan program.)
  • Simple Process, we can gather your documents for you
  • Appraisal may not be required

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