Unlock flexibility and lower initial payments with one of California’s best adjustable-rate mortgages — designed for your short or mid-term plans.
We Believe the Best Loans Start with the Right Advice.
The Best Adjustable-Rate Mortgages Fit the Right Moment in Your Life
Whether you’re relocating, growing your income, or planning to refinance, an ARM can offer substantial savings upfront. CLG helps you weigh the benefits and the risks so you can make the right call.
If you plan to move or upgrade within a few years, an ARM can offer lower monthly payments during the time you actually live in the home.
For buyers expecting a raise, promotion, or business growth, the lower initial payments of an ARM make homeownership more affordable early on.
An ARM can be a smart choice if you intend to refinance or pay off the loan before the rate begins to adjust.
First-time buyers who want to keep initial costs low while building equity may benefit from an ARM on their entry-level property.
If you plan to move or refinance before the intro period ends, an ARM could help you save significantly.
Evaluate your future plans. If you expect to move, change jobs, or scale your household in the next 5 to 10 years, an ARM could match that timeline perfectly.
Don’t overcommit on the intro period. Choose a fixed-rate period that covers your full expected stay to avoid unpredictable adjustments.
Refinancing options require runway. If you plan to refinance, make sure you allow at least 6–12 months to execute the process before your rate adjusts.
Know how your rate can change after the intro period. We’ll walk you through caps, indexes, and how it all works.
Know your index and margin. Your future rate is based on a market index plus a fixed margin — understanding both is essential for long-term planning.
Rate caps provide protection. Look for ARMs with annual and lifetime caps that limit how high your rate can climb after the intro period.
Use rate simulations. Running multiple adjustment scenarios helps you estimate future payments and stay financially prepared as your rate shifts.
Find Out If an Adjustable-Rate Mortgage Is the Right Fit
The best adjustable-rate mortgages start with a conversation. Our team will walk you through your options, explain your numbers, and help you build a plan that matches your goals.
