You searched:
“my ARM mortgage is adjusting and I cannot afford new payment”
An ARM adjustment can feel like a financial ambush, but you have options. Refinancing to a fixed rate, modifying your loan, or negotiating with your servicer can protect you from payment shock.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Fixed-rate period ending on 5/1 or 7/1 ARMSolution exists
- 2Rate cap allowing significant payment increaseSolution exists
- 3Did not plan ahead for adjustment dateSolution exists
- 4Cannot afford the adjusted payment amountSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Refinance to Fixed Rate
Lock in a fixed rate before or right after your ARM adjusts. This permanently eliminates payment uncertainty.
Available nowLoan Modification
Contact your servicer about converting your ARM to a fixed rate through modification, especially if refinancing is not possible.
Available nowFHA or VA Refinance
Government-backed refinance programs often have more lenient qualification requirements for stressed borrowers.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200ARM adjusting soon? Act now before the new payment hits.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
Ideally 3-6 months before the adjustment date. This gives time to complete the refinance and potentially avoid even one payment at the higher rate.
Contact your current servicer about a loan modification. They often prefer modifying your loan over risking a default from unaffordable payments.
Yes. If you plan to sell or refinance again within 5-7 years, a new ARM with a lower initial rate can save money in the short term.
ARM adjusting soon? Act now before the new payment hits.
We will reach out at a time that works for you. No pressure, no obligation.