5/1 ARM Rates in Florida
Rates as of May 2026 · Mortgage Capital · NMLS# 1859012 · Licensed Florida mortgage broker
5/1 ARM rates in Florida are tracked here for buyers comparing loan structures. A 5/1 ARM is fixed for five years, then adjusts annually based on an index plus a margin. The intro rate usually undercuts the 30-year fixed.
It fits buyers who plan to sell or refinance within five years. If you stay longer, the payment can rise, so we map the caps before you lock. As a licensed Florida mortgage broker (NMLS# 1859012), we model this option against your alternatives so the choice is based on numbers, not guesswork.
| Loan Product | Rate | APR | Points |
|---|---|---|---|
| 5/1 ARM ★ | 6.125% | 6.887% | 0.0 |
| 30-Year Fixed | 6.875% | 6.943% | 0.5 |
| 15-Year Fixed | 6.250% | 6.338% | 0.5 |
| FHA 30-Year Fixed | 6.625% | 7.412% | 0.0 |
| VA 30-Year Fixed | 6.375% | 6.511% | 0.0 |
| USDA 30-Year Fixed | 6.500% | 7.089% | 0.0 |
| Jumbo 30-Year Fixed | 6.990% | 7.050% | 0.5 |
| Cash-Out Refi 30-Yr | 7.125% | 7.210% | 0.5 |
Sample rates as of May 2026, for illustration only. Your actual rate depends on credit, down payment, loan amount, and program. Not a commitment to lend.
How the 5/1 ARM works
A 5/1 ARM is fixed for five years, then adjusts annually based on an index plus a margin. The intro rate usually undercuts the 30-year fixed.
It fits buyers who plan to sell or refinance within five years. If you stay longer, the payment can rise, so we map the caps before you lock.
When a 5/1 ARM makes sense
The 5/1 arm fits a specific kind of buyer and timeline. The wrong fit can cost more than a better-matched loan, even at a slightly higher rate.
We walk through your plans for the home, your income, and your risk tolerance before recommending this structure.
Comparing your options
We put the 5/1 arm side by side with the other terms you qualify for, showing the payment, total interest, and break-even for each.
Seeing the real numbers usually makes the right choice obvious. We then lock when the market favors you.
Frequently asked questions
What are 5/1 arm rates in Florida?
5/1 ARM rates move with the market and your file. A 5/1 ARM is fixed for five years, then adjusts annually based on an index plus a margin. The intro rate usually undercuts the 30-year fixed.
Is a 5/1 arm right for me?
It fits buyers who plan to sell or refinance within five years. If you stay longer, the payment can rise, so we map the caps before you lock. We model it against your other options to be sure.
How is this different from a standard 30-year fixed?
A 5/1 ARM is fixed for five years, then adjusts annually based on an index plus a margin. The intro rate usually undercuts the 30-year fixed. The 30-year fixed prioritizes the lowest payment and full rate certainty.
Can you compare terms for me?
Yes. We show the payment, total interest, and break-even for every term you qualify for, side by side.
Are you a licensed Florida broker?
Yes, Mortgage Capital, NMLS# 1859012, serving all of Florida.