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Adjustable Rate Refinance Home Loans

Adjustable rate mortgages (ARMs) offer starting rates lower than the interest rates of fixed rate home loans.
  • Lower start rate
  • Lower initial monthly payments
  • Larger loan amounts available
  • Less that perfect credit
Loan options Why choose it Key points
Basic ARM
Apply Now 		You want to start with a low payment or want to buy more home.
 As little as 5% down: rates adjustable periodically depending on loan type.
Fixed-period ARM
Apply Now		 You plan to move or refinance again in a few years and want the security of a fixed rate for that period of time.
 Fixed rate for a period of time then adjusts annually, based on a financial index.

Apply Now Apply Now or call toll-free at 1-888-49-SMART (1-888-497-6278)

What goes up, must come down. And that's basically the principal of adjustable rate mortgages (ARMs).

The interest rate you pay is adjusted from time to time to keep it in line with changing market rates. This means that when interest rates go up, your monthly home loan payments may go up. And when interest rates go down, your monthly home loan payments may go down.

Now, that might sound frightening if you've ever lived in an era when interest rates shot up dramatically, but Capital One® home loan ARMs have built-in features that reduce the risk your rate will ever go too high.



Sam: Thanks for your patience and assistance during the refinance pro...
–Jim C.
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