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Texas ARM Home Loans

Explore adjustable-rate mortgage options for Texas homebuyers who want a lower introductory rate, flexible planning options, and guidance from a Dallas-Fort Worth mortgage specialist.

An ARM starts with a fixed interest rate for an initial period and then adjusts based on market conditions, which can help create lower initial monthly payments at the beginning of the loan.

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Texas ARM Loan Features and Rate Details

Texas ARM loans begin with a fixed introductory rate period and then adjust based on market conditions. After the fixed period ends, the interest rate adjusts every 6 months and is based on a market index plus a fixed margin. Explore the details below to understand how the structure works and where it may fit.

When a Texas ARM May Make Sense

An adjustable-rate mortgage is usually less about keeping the same loan forever and more about matching financing to a shorter or more flexible timeline. ARMs are great for borrowers who want lower initial payments, may move in a few years, or may refinance before the fixed-rate period ends.

You expect to move within a few years
If you may not keep the mortgage long after the introductory fixed period, an ARM may align better with that timeline.
You want lower early payments while entering a competitive market
Lower introductory payments can help some Texas buyers compare homes with a little more flexibility at the start.
You may refinance before adjustments begin
Many homeowners refinance before the adjustable period begins when market conditions are favorable.
You are comparing payment flexibility against long-term certainty
An ARM can be worth discussing when you want to weigh a lower introductory rate against the possibility of later rate changes.

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Fixed rate for the First 5 Years

Beat fixed-rate costs by using a low-interest ARM as a strategic bridge to your next move.

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Rate Adjusts Every 6 Months Afterward

After the fixed period ends, the rate adjusts every 6 months using a market index plus a fixed margin.

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Rate Caps Add Guardrails

Rate caps help limit how much the interest rate can increase at each adjustment and over the life of the loan.

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Lower Initial Payments, More Buying Power

A lower introductory rate can reduce the starting payment and help some buyers compare more homes.

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Useful for Move or Refinance Plans

ARMs are great for borrowers who may move, refinance, or pay off the loan before the fixed-rate period ends.

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The Bottom Line

Maximize your monthly budget in the first few years when moving, refurbishing, and furnishing costs may be highest.

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NMLS #1641703 Texas Mortgage Lending's home loan programs are only available in Texas. Loans are subject to credit approval, Texas Mortgage Lending's loan policies, and property approval. Prequalification is not a commitment to lend. Credit Union of Texas Membership required.

¹ ARM loans are variable rate loans; interest rates and payments may increase after consummation. The current posted example is a 30-year 5/6 ARM for $300,000 with a starting rate of 5.20% (6.245% APR) at 1.5 points. Monthly principal and interest payments for years 1 - 5 would be $1,647.33, monthly payments for year 6 would be a maximum of $2,167 (7.2%), and monthly payments for years 7 - 30 would be a maximum of $2,535 (10.2%), based on the current index, margin, change, and life of loan caps. Monthly payments do not include taxes and insurance, and the actual payment obligation could be greater. The variable interest rate is subject to a floor of the initial interest rate. The variable interest rate can increase or decrease after the fifth year by 2 percentage points and 1 percentage point each six months thereafter and can increase 5 percentage points over the initial interest rate over the term of the loan.

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Texas ARM Home Loans

Texas ARM Rates as Low as 5.20%¹ (6.245% APR* at 1.5 points, fixed for the first 5 years)

Texas ARM Loan Features and Rate Details