Our Fixed & ARM Rates Are Low & Our Process is Quick & Painless

The traditional fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for fiveyears or longer. If you plan to move within five years, then a fixe rate that then adjustes after a spefic term of 5 or 7 years are sometimes cheaper. However, when interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

 

An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.

Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way. Check out our mortgage calculator.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

 

Here’s how our home loan process works:

  • Complete our simple application

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs

About Us

We help you find the best mortgage solution for your situation

801-628-7667

 

Contact Us:

Address: 529 25th St, ste 101
Ogden, UT 84401

801-628-7667

Team@ThePippinTeam.com

Ron Pippin NMLS 218333 All rights reserved. Loan officers with Cardinal Financial.

For licensing information, go to www.nmlsconsumeraccess.org. Cardinal Financial Company, Limited Partnership (NMLS ID 66247).