Pay less from day one with a Texas ARM. Lock in introductory rates up to 1% lower than a fixed-rate conventional loan, with built-in rate caps that protect you.
Save up to $350/mo with lower ARM introductory rates vs. fixed.
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ARM introductory rates are significantly lower than fixed-rate mortgages — useful when financing a jumbo loan on a high-balance property — and put more cash back in your pocket each month.
Perfect for short-term homeowners, investors, and buyers who plan to refinance with a rate-and-term refi or sell before the first rate adjustment.
Every STX Lending ARM comes with caps that limit per-adjustment and lifetime rate increases, protecting you from surprises.
Take advantage of lower introductory rates with a Texas adjustable-rate mortgage. Our 3/1, 5/1, 7/1, and 10/1 ARM programs come with built-in rate caps, transparent terms, and expert guidance from application to closing \u2014 see today's mortgage rates before you commit.
Lock in a lower introductory rate for 3, 5, 7, or 10 years before adjustments begin. The longer the fixed period, the higher the initial rate.
Built-in protections limit how much your rate can change per adjustment (typically 2%) and over the life of the loan (typically 5%).
After the fixed period, your rate adjusts based on the Secured Overnight Financing Rate (SOFR) index plus a fixed margin set at closing.
Available as 15 or 30-year total terms. Commonly used for primary residences, second homes, and investment properties throughout Texas.
Compare ARM vs. fixed-rate scenarios and project your monthly savings, or run our 15-vs-30 calculator to weigh term length too.
See a side-by-side comparison of adjustable vs. fixed-rate monthly payments and total interest paid over time.
Project your exact monthly principal, interest, taxes, and insurance based on current Texas ARM rates.
See how extra payments shave years off your loan and save tens of thousands in interest.
Split your monthly payment in half — paid every 2 weeks — and shave ~5 years off a 30-year loan.
Everything you need to know about adjustable-rate mortgages in Texas. For terminology, see our mortgage glossary, or read up on discount points in a refinance if you plan to refinance later.