10/15/2026
🏡💰 HIGH INTEREST RATES HAVE YOU PUTTING YOUR HOME SEARCH ON HOLD?
What if there’s another financing option you haven’t considered? 👀
Let’s talk about something that doesn’t get nearly enough attention when buyers are exploring their mortgage options…
🔥 ADJUSTABLE-RATE MORTGAGES (ARMs)! 🔥
With today’s housing market, buyers are looking for creative ways to make homeownership more affordable. And while an ARM isn’t the right fit for everyone, it might be an option worth exploring!
💙 WHAT’S THE APPEAL?
An ARM may offer a lower interest rate during an initial fixed-rate period compared to a traditional 30-year fixed mortgage.
That could mean:
🏡 A lower initial monthly payment
💵 More breathing room in your monthly budget
🔑 Another financing option to consider when purchasing a home
BUT HOLD ON! ✋
Before you jump into an ARM because that initial rate looks attractive, you need to understand what happens AFTER the fixed-rate period ends.
Two questions I absolutely want you to ask your lender:
1️⃣ HOW OFTEN CAN MY INTEREST RATE ADJUST?
Is it every six months? Every year? When does the first adjustment happen?
2️⃣ ARE THERE INTEREST RATE CAPS?
How much can your rate increase at the first adjustment, at each subsequent adjustment, and over the life of the loan?
And here’s my bonus question:
🚨 WHAT IS THE HIGHEST MY MONTHLY PAYMENT COULD GO?
Because buying a home isn’t just about what you can afford TODAY. It’s about making sure you’re comfortable with the possibilities TOMORROW.
💡 HERE’S MY THOUGHT:
In a market where buyers are watching interest rates, negotiating prices, and trying to make the numbers work, don’t automatically assume your only choice is a traditional fixed-rate mortgage.
Explore your options. Compare the numbers. Understand the risks.
And please don’t choose an ARM simply because you’re counting on refinancing later. Refinancing isn’t guaranteed!
❤️ THE GOOD NEWS?
I work with some GREAT lenders who can walk you through conventional fixed-rate loans, adjustable-rate mortgages, and other financing options to help you understand what might work best for your situation.
You don’t have to figure it all out alone!
📲 Message me and let me connect you with a lender who can help you compare your options.
🏡 Brandy Liss | Liss Realty Group
💙 Let’s Get Moving!
👇 LET’S TALK! Would you consider an adjustable-rate mortgage if it meant a lower payment initially, or would you rather have the predictability of a fixed rate?