Stellar Mortgage Corporation
(877) 545-3811

Adjustable-Rate Mortgages (ARMs)

At Stellar Mortgage Corporation, we recognize that one size does not fit all when it comes to mortgage options. That's why we offer Adjustable-Rate Mortgages (ARMs), a flexible loan solution tailored to individuals who have shorter-term housing needs or anticipate rising incomes. With ARMs, you can take advantage of initial lower interest rates while also having the capacity to adapt as market conditions change.

Adjustable-Rate Mortgages, or ARMs, are loans with interest rates that periodically adjust based on changes in a corresponding financial index that's associated with the loan. Generally, your monthly payment will increase or decrease if the index rate goes up or down.

    5/1 ARM:

    • The interest rate is fixed for the first five years and then adjusts annually thereafter.

    7/1 ARM:

    • Enjoy a seven-year fixed interest period before the rate adjusts annually.

    10/1 ARM:

    • Benefit from a long, ten-year fixed rate period before annual adjustments begin.

      Lower Initial Rates:

        • To protect against extreme increases, our ARMs come with rate caps that limit how much your interest rate can increase over time.

      Rate Caps:

        • To protect against extreme increases, our ARMs come with rate caps that limit how much your interest rate can increase over time.

      Flexibility:

      Ideal for those expecting to move, refinance, or see an income increase in the next few years.

      Interest Rate Resets:

      Ideal for those expecting to move, refinance, or see an income increase in the next few years.

      Short-Term Affordability:

      Ideal for those planning to sell before the adjustable period kicks in, thus avoiding higher future rates.


      Experienced Advisors:

      With over two decades in the mortgage industry, our expert team can help you navigate the ins and outs of Adjustable-Rate Mortgages.

      Transparent Process:

      With over two decades in the mortgage industry, our expert team can help you navigate the ins and outs of Adjustable-Rate Mortgages.

      Competitive Rates:

      We consistently monitor the market to ensure our ARMs are as competitive as possible.

      Unmatched Customer Service:

      We consistently monitor the market to ensure our ARMs are as competitive as possible.

      If you're looking for a mortgage option that offers both short-term affordability and the flexibility to adapt to changing financial situations, an Adjustable-Rate Mortgage from Stellar Mortgage Corporation could be your ideal solution. Trust us to guide you through this crucial financial decision, offering unmatched expertise and personalized solutions every step of the way.