---
title: Adjustable Rate Mortgage
---

# Adjustable-Rate Mortgage (ARM)

## A mortgage loan with an adjustable interest rate.

![lower-interest-rate (1)-1](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/lower-interest-rate%20(1)-1.png)

## Lower interest rate

During the initial term, your interest rate is typically lower than those on a fixed-rate mortgage.

![flexibility-Apr-04-2024-06-42-04-3708-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/flexibility-Apr-04-2024-06-42-04-3708-AM.png)

## Flexibility

Choose from several available term options.

![low-monthly-payments-Apr-04-2024-06-43-10-3811-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments-Apr-04-2024-06-43-10-3811-AM.png)

## Fixed payments to start

An ARM loan offers a fixed payment for a certain amount of time before the interest rate adjusts.

 CALCULATE YOUR MORTGAGE 

[ProductBenefitsMobile ** ](http://sandbox-bedford-capital-uhm-22018491.hs-sites.com/adjustable-rate#productBenefitsMobile)

![lower-interest-rate (1)-1](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/lower-interest-rate%20(1)-1.png)

## Lower interest rate

During the initial term, your interest rate is typically lower than those on a fixed-rate mortgage.

![flexibility-Apr-04-2024-06-42-04-3708-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/flexibility-Apr-04-2024-06-42-04-3708-AM.png)

## Flexibility

Choose from several available term options.

![low-monthly-payments-Apr-04-2024-06-43-10-3811-AM](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/low-monthly-payments-Apr-04-2024-06-43-10-3811-AM.png)

## Fixed payments to start

An ARM loan offers a fixed payment for a certain amount of time before the interest rate adjusts.

### WHY UHM?

## We go above and beyond to deliver a mortgage experience you'll rave about

![we-keep-our-promises](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/we-keep-our-promises.png)

## We keep our promises

 

Our mantra promises that we stand by what we say, exceed expectations with what we do and will treat you like family at every turn.

![industry-experts](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/industry-experts.png)

## Industry expertise

We’ve been in the business for half a century and have guided hundreds of thousands of aspiring homebuyers through the process of achieving homeownership.

![world-class-service](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/world-class-service.png)

## World-class service

From day one to close through each monthly statement, our Partners go the extra mile for every customer and deliver personalized service unmatched in the industry.

![long-haul](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hs-fs/hubfs/long-haul.png?width=165&height=165&name=long-haul.png)

## Streamlined process

Mortgages don't need to be complicated. Our process is simple and straightforward. Your loan officer keeps you in the loop every step of the way home.

![equal-housing-lender](https://sandbox-bedford-capital-uhm-22018491.hs-sites.com/hubfs/equal-housing-lender.png)

## Equal housing lender

We believe in making homeownership accessible to persons of every race, color, religion, gender, familial status, national origin, military status or disability.

### LET'S GET STARTED

## Make your dream home a reality.

## Don’t wait. Explore your loan options now.