Option ARM Mortgage

We can now offer our best Option ARM in most states! We also have a brand new 30 year fixed rate Option ARM - all of the benefits without any rate changes! Call us today at 866-703-3198.

How to Find The Best Option ARM Available?

Read our recently published article on the Option ARM:

1% Mortgage Interest Rate? What's the Catch?

It can be a tremendous financial tool when properly utilized. Saint Lawrence Mortgage offers low, flat fee pricing. We provide detailed information to help you understand the benefits of the option ARM mortgage so that you can decide if this type of loan program compliments your financial plan.

The Saint Lawrence Mortgage Difference – Lowest Margins and Most Stable Index For Your Option ARM mortgage

Your low, minimum payment won’t change as other mortgage companies increase the margin on your option ARM loan in order to make up to 3% in lender-paid compensation. YOU WILL PAY ALL OF THAT COMPENSATION AND MORE IN INCREASED INTEREST RATES FOR THE LIFE OF THE LOAN. To better serve our clients, we have pioneered the flat fee. This means that regardless of your loan amount or type – Jumbo Loans, Zero Down, or First and Second Combination Loans – your fee will be the same amount! Don’t pay more just because you borrow more! And don’t pay more because your broker doesn’t explain the hidden compensation and higher interest rate on an option ARM mortgage.

Compare our prices to other mortgage companies!

ARM stands for Adjustable Rate Mortgage. Many brokers suggest the option ARM mortgage knowing clients don’t fully understand what they’re getting themselves into. Often the mortgage interest rate is set at 1% FOR ONLY ONE MONTH, and then jumps to the fully-indexed interest rate (Index value + margin = interest rate). The typical mortgage broker will use an option ARM mortgage simply to make as much money as possible from the lender, without any regard for your financial future. Many borrowers don’t realize the details of their new loan. They’ll most likely be stuck with it for 3-5 years or forced to pay a large pre-payment penalty if they refinance or EVEN IF THEY SELL THE HOME.

The flat fee at Saint Lawrence Mortgage allows you to use an option ARM without prepayment penalty. We know hundreds of lenders and can find you the one with the best option ARM loan available. We will educate you on the pros & cons of an option ARM mortgage so you can decide whether it’s in your best interest to use an option ARM loan.

Your Upfront Mortgage Broker
Many mortgage brokers entice you with a low Good Faith Estimate. But once you’ve signed a contract they throw on extra fees or increased interest rates. As a member of the Upfront Mortgage Brokers Association, we guarantee to accurately disclose all costs to you and never lock you into a contract with us. Your experience will be SURPRISE FREE!

To get started on an option ARM mortgage or any other type of mortgage – Fill out our online information form or Contact Saint Lawrence Mortgage today!

Option ARM Mortgage