At Empire Equity Group we offer adjustable rate mortgages (ARMs) to fit every need and every budget. We can “fine tune” the right product for every customer.  We offer mortgage loans with initial fixed periods as short as 6 months to as long as 10 years.  After the initial fixed period, each ARM we offer will then adjust on an annual basis (with the exception of our 6-month ARM which will continue to adjust every 6-months)

Which ARM is right for me?
Shorter term adjustable rate mortgages offer the advantage of lower initial interest rates. Longer term ARMs offer more payment stability.  If you’re planning to own your home for 3-5 years, a shorter term ARM may be right for you.  But if you plan to own your home for a long time, 7 years or more, our longer term ARMs are just the ticket.

The many types of adjustable rate mortgages we offer are designed to keep your starting mortgage payments affordable.  Each of our ARM products features adjustment "caps" or limitations on how much the interest rate can adjust.  This helps limit excessive changes in your monthly payment.  And, every ARM offered by Empire Equity Group comes with a lifetime cap, so you’ll know right from the start what the maximum rate you would ever have to pay would be.

And most are assumable too!
Most of our adjustable rate mortgages are assumable.  This means that when you sell your home, your buyer may be able to qualify to “take over” your existing mortgage.  This is especially valuable when interest rates have risen and your interest rate is “below the market.”  That lower interest rate makes your home more affordable and therefore more attractive to potential home buyers.