Rate-risk calculator
ARM vs. fixed-rate comparison
Compare the initial payment savings of an ARM with a fixed mortgage and stress-test the payment at a higher adjusted rate.
Planning estimate
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How this estimate works
Compares 30-year amortizing payments at each rate. The stress test is illustrative; actual ARM adjustments depend on index, margin and caps. Refinancing is not guaranteed.
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Before you act on the result
This tool is educational and does not evaluate credit, income documentation, assets, reserves, property eligibility, program limits or current pricing. It is not an approval, rate quote, commitment to lend or Loan Estimate. Use current lender terms and verified property information for a real decision.
Frequently asked questions
Does the stress rate predict my future rate?
No. It is a scenario. Actual adjustments depend on the loan’s index, margin, adjustment dates and caps.
What should I compare beyond payment?
Compare cumulative savings during the fixed period, remaining balance, maximum possible payment and your ability to keep the loan if plans change.
Can I rely on refinancing before adjustment?
No. Future rates, income, credit and property value are uncertain.
Accuracy and licensing noteProgram details vary by borrower, property, location and date. Confirm current LMCU terms, property-state availability, licensing and eligibility before making a financing decision. All loans are subject to credit and property approval.
A clear next step
Your situation deserves more than a generic answer.
Talk through the numbers, timing and tradeoffs with Matt before you commit.