What is an Adjustable-Rate Mortgage (ARM)?
An Adjustable-Rate Mortgage, also known as an ARM, is a home loan option where the interest rate starts off fixed for an initial period and then adjusts periodically based on market conditions. This type of mortgage typically offers a lower starting rate compared to fixed-rate loans, making it an attractive option for buyers who want lower initial payments or plan to move or refinance before the adjustment period begins.
Enjoy Lower Initial Payments
One of the biggest advantages of an ARM is the opportunity to secure lower monthly payments during the fixed introductory period. This allows homeowners to save money upfront, free up cash flow for other expenses, or even qualify for a higher loan amount. It’s a smart choice for those who don’t plan to stay in their home for the full loan term and want to maximize savings in the early years.
Flexible Options to Fit Your Goals
Adjustable-Rate Mortgages come in different terms, such as 5/1, 7/1, or 10/1 ARMs, giving you flexibility to choose the structure that matches your financial plans. Whether you’re buying your first home, purchasing a vacation property, or investing in real estate, ARMs can be tailored to suit your needs and long-term goals.
Experience the Difference with Platinum Capital Advisors
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Every borrower’s journey is unique. That’s why we tailor loan solutions—whether it’s FHA, VA, Jumbo, or investment loans—to match your personal goals.
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We walk you through every step of the process, making sure you feel confident and informed from application to closing.
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With a presence across New York, New Jersey, Florida, Tennessee, and North Carolina, we combine national resources with local insight to give you an edge.
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At Platinum Capital Advisors, our goal is to build lifelong relationships by being a trusted partner for all your homeownership and investment needs.
A Strategic Choice for the Right Buyer
ARMs aren’t for everyone, but for buyers with a clear financial plan, they can be a powerful tool. If you anticipate moving, selling, or refinancing within the initial fixed-rate period, an ARM can help you save thousands in interest compared to a traditional fixed-rate mortgage. At Platinum Capital Advisors, we’ll guide you through the details so you can decide if this flexible mortgage option is the right fit for your situation.
Why Choose Platinum Capital Advisors
Choosing the right mortgage partner can make all the difference. At Platinum Capital Advisors, we combine industry expertise, personalized service, and a wide range of loan options to help you achieve your goals with confidence. Licensed in New York, New Jersey, Florida, Tennessee, and North Carolina, our team understands the local markets and provides solutions tailored to your unique needs—whether you’re a first-time homebuyer, refinancing, or expanding your investment portfolio. With us, you’re not just getting a loan; you’re gaining a trusted partner dedicated to making your journey smooth, transparent, and successful.
We are known for
Personalized Mortgage Solutions
Diverse Financing Options
Fast & Transparent Process
Comprehensive Loan Programs
"FAQs"
We offer a wide range of programs including FHA, VA, Conventional, Jumbo, DSCR, Fix & Flip, Renovation Loans, Bank Statement Loans, Non-QM, USDA, Reverse Mortgages, Adjustable Rate Mortgages, Purchase Loans, and Refinance options.
Not at all. Many of our programs, such as FHA, VA, and Non-QM loans, are designed for borrowers with lower credit scores or unique financial situations. We’ll work with you to find the best option for your circumstances.
We are licensed in New York, New Jersey, Florida, Tennessee, and North Carolina. Within these states, we serve areas like the Hudson Valley, Long Island, Bergen County, Miami, Nashville, Charlotte, and more.
Our team will evaluate your financial goals, income, credit history, and property type to recommend the loan program that fits your needs best. We believe in personalized solutions, not one-size-fits-all lending.
The timeline can vary depending on the loan type and your unique situation, but most loans close within 30–45 days. We focus on a smooth, efficient process with clear communication every step of the way.
Building Your Future with Platinum Capital Advisors
At Platinum Capital Advisors, we believe every client deserves a clear path to achieving their homeownership and investment goals. Whether you’re purchasing your first home, refinancing for better terms, or exploring real estate opportunities, our wide range of loan programs ensures the right fit for your needs. With licensing across New York, New Jersey, Florida, Tennessee, and North Carolina, we combine trusted expertise with personalized guidance to make your mortgage experience simple, stress-free, and rewarding.
