Hybrid ARM
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A hybrid ARM is an adjustable-rate mortgage that combines an initial fixed-rate period with later adjustable periods.
What Hybrid ARM means
The most common loans, like 5/6 and 7/6 ARMs, are hybrids. They blend the early stability of a fixed rate with the lower starting rate of an adjustable loan.
Florida example
A Florida buyer chooses a 7/6 hybrid ARM, locking a fixed rate for seven years before semiannual adjustments begin. It fits a plan to sell or refinance before the fixed period ends.
What it is
A hybrid ARM has a fixed rate for the first several years, then adjusts. A 7/6 ARM is fixed for seven years, then adjusts every six months.
It blends early stability with later flexibility.
Who it fits
A hybrid ARM suits buyers who plan to move or refinance before the fixed period ends. The early rate is often lower.
We match the fixed years to your plans. Apply now and we will see if a hybrid ARM saves you money.
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