Adjustable Rate Mortgage

Get a quick and easy quote on an ARM & save thousands of dollars per year.

Do I Qualify?


Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.

Our Adjustable Rates Are Low & Our Process is Quick & Painless

An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM may be a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

We’re here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Adjustable Rate Mortgage Qualifier.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you.

The Adjustable Rate Mortgage Loan Process

Here’s how our home loan process works:

Check Eligibility: Confirm eligibility based on U.S. military service..

Choose a Lender: Find a VA-approved lender in the U.S.

Get Pre-Approved: Submit financial details for pre-approval.

Find a Home: Look for a property that meets VA standards.

Submit Application: Complete the loan application with required documents.

Rate Adjustment Terms: Understand the initial fixed period and adjustment intervals

Loan Processing: The lender reviews and approves the loan.

Connect with a Mortgage Expert Instantly!

Get Expert Mortgage Advice You Can Trust
Receive personalized guidance from experienced mortgage professionals. Whether you’re buying your first home, refinancing to lower your rate, or tapping into your home equity with a cash-out refinance or HELOC, our loan experts are here to walk you through the process step by step—so you can make confident, informed decisions about your financial future.

C2 Financial has been in business for over 36 years and is now one of the largest and most respected mortgage brokerages in the country. Our success comes from consistently offering some of the lowest rates available while delivering outstanding customer service.

We pride ourselves on treating every client with honesty, integrity, and transparency. Whether you have perfect credit, less-than-perfect credit, or unique financing needs, we offer a full range of programs—FHA, VA, Conventional, Jumbo, Cash-Out, Debt Consolidation, and more. If there’s a way to get it done, we’ll find it.

CONTACT US

12230 El Camino Real, Suite 100, San Diego, CA, United States, California

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Gilbert Ramos | C2 Financial Corporation Licensed in multiple states. NMLS #135622. CA DRE #01821025 | AL #23303 | AZ #919209 | AR #129945 | CO DRE | FL #MBR3519 | HI #HI-135622 | ID #MBL-9475 | IL #MB.67618115 | KS #135622 | KY #MC809104 | LA #135622 | MI #FL0023565 / SR0023566 | MN #MN-MO-135622 | MS #135622 | MT #135622 | NE #135622 | NV #3260 | NM #135622 | OH #RM.804919.000 | OK #MB014489 | OR #ML-4917 | SC #135622 | SD #135622.ML | TN #135622 | TX #135622 | WA #MB135622 | WY #4612. Loan approval not guaranteed; subject to lender’s written approval and borrower meeting all conditions. Rates may vary. C2 is an Equal Opportunity Mortgage Broker/Lender. Not individually approved by FHA/HUD but may originate FHA loans via approved lenders. Texas Consumers: For complaints, contact Texas Dept. of Savings and Mortgage Lending: 2601 North Lamar, Ste 201, Austin, TX 78705 | www.sml.texas.gov | Hotline: (877) 276-5550. Recovery fund info available on website.