A Division of American Pacific Mortgage, 1850
TILA spelled T-I-L-A stands for the Truth in Lending Act, and
emphasizes our commitment to honest and ethical lending

Arm Mortgage

Bellevue Mortgage Office

Bellevue Adjustable Rate Mortgage (ARM)

Adjustable rate mortgage or fixed rate mortgage? Our Home Loan experts will help you quickly understand your options.

  • Lower Payments During Initial Period
  • Optimized For Short Period Of Time
  • Possibly Qualify For Bigger Loan


Our experts will help you get qualified for a loan at a great rate.

Call (206) 766-8888 now  for a free consultation or get a free rate quote by email. From Seattle to Tacoma, from Bellevue to Spokane, we serve all of Washington state.

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Our Loan Process

An ARM mortgage has an interest rate that can vary according to the specific terms. Usually this loan has a lower initial rate than a fixed rate mortgage but has the possibility of changing upward. Home owners from Edmonds to Mercer Island, North Bend to Puyallup have used ARM loans.

These loans typically have a fixed rate initially for a short period of time called the “initial fixed” period. The initial period can be 1, 3, 5 or 7 years; after the initial period the rate could change once a year.

Why would you consider an ARM?

You might want to consider an ARM if you meet any of the following criteria:

  • Interested in a lower payment during the “initial period”. A lower rate and payment could save you thousands of dollars during the 1, 3, 5 or 7 year period.
  • Planning on living in the house for a short period of time…..1, 3, 5 or 7 year period. People who are in the corporate environment and moving around the country typically choose this type of loan. Or people who plan of purchasing their next home (maybe larger) home within 1, 3, 5, or 7 years.
  • Simply want a lower payment during the first “initial period”. Are confident that you will be making more money in the future and will be able to afford the increased payment.
  • ARM loans will sometimes qualify you for a bigger loan.

Call us to speak with one of our licensed loan officers in Bellevue and Seattle.

TILA Mortgage, Real Estate Loans, Bothell, WA