When shopping for a home loan, many buyers are faced with a key decision: fixed-rate or adjustable-rate mortgage? While fixed-rate mortgages offer stability, adjustable-rate mortgages (ARMs) are gaining traction in today’s dynamic economy. ARMs provide lower initial rates, flexibility, and can be a smart choice for borrowers planning short-term homeownership or expecting rising income.
At Done In ONE Mortgage, empowered by NEXA Mortgage, we specialize in helping Las Vegas homebuyers and investors understand their loan options and secure wholesale mortgage rates that fit their financial goals. As a top-tier wholesale mortgage broker, we’re here to break down the advantages of ARMs, why they’re so relevant today, and how you can benefit by working with us.
An Adjustable Rate Mortgage (ARM) is a home loan with an interest rate that adjusts periodically based on a specific index, such as the Secured Overnight Financing Rate (SOFR). Unlike fixed-rate loans, which keep the same interest rate for the life of the loan, ARMs typically begin with a lower introductory rate for a set number of years (e.g., 5, 7, or 10 years), followed by periodic adjustments based on market conditions.
For example, a 5/6 ARM means the rate is fixed for 5 years and then adjusts every 6 months thereafter.
As the U.S. housing market adjusts to higher interest rates and economic uncertainty, many borrowers are reevaluating their mortgage options. ARMs have become increasingly attractive for several reasons:
One of the most compelling benefits of ARMs is the initially lower interest rate, which can translate to lower monthly payments during the early years of the loan. This allows buyers to maximize affordability, especially in high-cost areas like Las Vegas.
With mortgage rates for 30-year fixed loans hovering between 6.5% and 7%, many ARMs are offering introductory rates in the 5% to 6% range—a full percentage point or more in savings.
If you’re not planning to stay in your home long-term—whether due to a career move, lifestyle changes, or plans to upgrade in a few years—an ARM can be the perfect fit. Many homeowners sell or refinance before the initial fixed period ends, making a fixed-rate loan less cost-effective.
ARMs can also be a strategic investment tool for those planning to flip homes or leverage short-term equity growth.
While ARMs are commonly associated with rate increases, it’s important to note that rates can also adjust downward. In a cooling economy or a rate-cutting environment (like the one we may see if the Federal Reserve eases policy), ARM borrowers may see future savings without needing to refinance.
In some cases, borrowers may find it easier to qualify for an ARM than a fixed-rate loan due to the lower initial payment, especially under Debt-to-Income (DTI) guidelines. This flexibility can help buyers who are on the edge of qualifying for their dream home.
With inflation gradually coming under control and the Federal Reserve signaling future rate cuts, ARMs provide a bridge strategy for many buyers. Borrowers can enjoy lower initial payments now and either refinance later or take advantage of potential rate decreases.
At Done In ONE Mortgage, we’re seeing more clients consider ARMs not as a compromise, but as a financially savvy move, particularly when used in combination with a 2-1 buydown or other custom mortgage strategies.
Las Vegas remains one of the most dynamic real estate markets in the country. With demand fueled by population growth, job diversification, and increasing rental yields, many buyers are opting for ARMs to stretch their budgets and secure better properties.
Choosing between a fixed-rate and adjustable-rate mortgage depends on several factors:
| Factor | Fixed-Rate Mortgage | Adjustable-Rate Mortgage (ARM) |
| Stability | Long-term consistency | Rate can change over time |
| Initial Rate | Usually higher | Typically lower |
| Ideal For | Long-term homeowners | Short-term owners, investors |
| Payment Risk | None | Possible rate increase after intro period |
| Refinancing Need | May not need | May refinance after fixed period |
If you prioritize short-term savings and flexibility, an ARM might be your best option.
Choosing the right mortgage broker is just as important as choosing the right loan. At Done In ONE Mortgage, we are proudly empowered by NEXA Mortgage, the #1 mortgage brokerage in the country. That gives our clients access to:
We’re not tied to any one bank or lender. Instead, we shop over 190 lenders to find the best deal for you, ensuring you get wholesale pricing instead of retail markups.
Our streamlined process gets you pre-approved in hours, not days. This is especially helpful in competitive Las Vegas markets where speed matters.
We specialize in custom mortgage solutions, including:
We live and work right here in Las Vegas. We know the market, the neighborhoods, and what it takes to help our clients win with confidence.
There’s a lot of outdated or misunderstood information about ARMs. Let’s clear up a few common myths:
Modern ARMs come with rate caps, transparency, and detailed disclosures. When paired with the right strategy, they’re smart financial tools—not traps.
That’s not always true. Your rate may stay the same or even decrease depending on market conditions and your ARM’s terms.
Not necessarily. Many borrowers stay in ARMs for the life of the loan, especially when caps and margins are manageable.
At Done In ONE Mortgage, we’ll help you understand the fine print and ensure you’re making an informed decision.
In today’s housing market, Adjustable Rate Mortgages offer real advantages: lower upfront costs, strategic flexibility, and the ability to ride market waves intelligently.
Whether you’re buying your first home, investing in a rental, or making a temporary move, ARMs may help you save thousands—but only when structured correctly.
Ready to explore an Adjustable Rate Mortgage and see how much you could save?
✅ Call us at (702) 555-1234
✅ Visit www.doneinonemortgage.com
✅ Schedule a free ARM strategy session today!
At Done In ONE Mortgage, we help you understand your loan, optimize your strategy, and close with confidence—all while accessing wholesale pricing and elite customer service.
Don’t settle for retail rates. Get it Done In ONE.
