When it comes to choosing a mortgage, you’ve got options — and one you’ve probably heard about is the Adjustable-Rate Mortgage, or ARM. But what exactly is an ARM, and how does it stack up against a traditional fixed-rate loan?

In this episode of Your Real Talk, Luna Petty takes the mystery out of ARMs. Whether you’re buying your first home, refinancing, or helping a client make smart choices, this is the must-know info on how adjustable-rate mortgages really work — no complicated jargon, just real talk.

Here’s what we’re breaking down:
✅ What an Adjustable-Rate Mortgage is (and how it’s different from a fixed-rate loan)
✅ The “fixed” period and what happens when the rate adjusts
✅ Pros and cons of ARMs — who they’re great for and when you should be careful
✅ How rate caps, adjustment periods, and margins affect your future payments
✅ Why ARMs can sometimes mean big savings — and when they can cost you more

Luna also covers:

When an ARM might be smarter than a fixed-rate loan

How to protect yourself from payment shock

Real-life examples of ARM success stories (and mistakes to avoid!)

The truth about 5/1, 7/1, and 10/1 ARMs — and which term might fit your situation best

If you’re wondering whether an ARM is a risk or a reward, this episode gives you the tools to decide. Spoiler alert: it depends on your goals, how long you plan to stay in the home, and what the market’s doing!

This is perfect for:
🏡 First-time buyers wanting lower initial payments
📈 Investors looking to maximize cash flow
💼 Real estate agents helping clients compare loan options
💸 Homeowners thinking about refinancing into an ARM

Get ready for an easy-to-understand guide to one of the most misunderstood mortgage options out there!

Company Name: Unyque Financial
Host Name: Luna Petty
Company URL: https://www.unyquefinancial.com/luna-petty/
NMLS Numbers: Luna Petty (NMLS #388419), CA Real Estate Agent (DRE #01347590)
Licensing Information: Equal Housing Opportunity — https://www.nmlsconsumeraccess.org
Contact Number: 626-796-7164
Social Media Links:

Facebook: https://www.facebook.com/FMUnyque

Instagram: https://www.instagram.com/unyque.financial/

Twitter: https://twitter.com/LunaPetty

LinkedIn: https://www.linkedin.com/in/lunapetty/
YouTube Link: https://www.youtube.com/@UnyqueRE

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#MortgageWisdomWithLuna
#FirstTimeHomeBuyer
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#CaliforniaRealEstatePulse
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Disclaimer:
The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.

✅ Visit https://www.unyquefinancial.com/luna-petty/ to explore your mortgage options and follow us on social media for more clear, helpful real estate and mortgage advice every week!