Are ARM rates lower than fixed?

Usually lower during the introductory period, then they can change.

What does "5/6 ARM" mean?

Fixed for 5 years, then adjusts every 6 months.

Limits on how much your ARM rate can rise at each adjustment and over the life of the loan.

Will my payment go up?

It can, after the intro period, depending on the market.

Is an ARM a good idea?

It can be, if you'll move or refinance before it adjusts. See Fixed vs ARM.

Can I switch to a fixed rate later?

Yes, by refinancing. See ARM to Fixed Refinance.

How do I get my real rate?

Get a personalized quote. See Get Pre-Approved.

Licensed in California · NMLS #362311

Check loan status Borrower sign in

EZOnline MortgageCalifornia Home Loans

(818) 305-6704 Apply now

EZOnline MortgageCalifornia Home Loans

Apply

Home›Rates›ARM Rates

Rates · Today's Rates

Today's ARM rates in California.

An adjustable-rate mortgage (ARM) starts with a lower rate that can change later. This page explains how ARM rates work and how to get yours. The live rate table belongs here.

Get Pre-Approved What can I afford?

A wooden house cutout labeled mortgage rates beside a calculator, for ARM rates

Today’s sample rates

Live Rates · California

Get my real rate

Monthly payment examples below are for a loan amount of $350,000 ($1,100,000 on Jumbo). Taxes and insurance are not included within the estimate; actual payment amount will be greater.

No rates are currently available for this selection.

Try the other tab, or get a personalized quote for your scenario.

Start now

See your personalized ARM rate

Rates change daily and vary by your profile. A personalized quote is most accurate.

See My Rate See today’s rates

Quick answer

ARM rates in California usually start lower than fixed rates for an introductory period (like 5, 7, or 10 years), then can rise or fall based on the market. ARMs include rate caps that limit how much they can change. An ARM can save money if you plan to move or refinance before it adjusts — but it carries risk if you stay longer. See Fixed vs ARM.

What affects your ARM rate

FactorHow it affects your rate

Introductory periodLonger fixed periods may price differently

Credit scoreHigher score, usually lower rate

Index + marginSets the rate after the intro period

Rate capsLimit how much it can rise

The marketMoves rates daily. See What Moves Rates

ARM basics to understand

A "5/6 ARM" is fixed for 5 years, then can adjust every 6 months.

Rate caps limit increases at each adjustment and over the life of the loan.

The intro rate is usually lower than a fixed rate, which is the main appeal.

After the intro period, your payment could rise. See Fixed vs ARM.

Is an ARM right for you?

An ARM can make sense if you expect to move or refinance before it adjusts. If you plan to stay long term, a fixed rate may be safer. You can also refinance an ARM to fixed later. See ARM to Fixed Refinance.

Good questions

Frequently asked questions

They change daily. The live table shows ranges; your rate depends on your profile.

Next steps

Decide if an ARM fits your timeline

Decide if an ARM fits your timeline, then get a personalized quote and know your caps. EZ Online Mortgage can show your personalized ARM rate and compare it with a fixed loan for your plans.

Get Pre-Approved (818) 305-6704

Keep learning

Fixed vs ARM ARM to Fixed Refinance Get Pre-Approved Rate Lock vs Float

This page is for education only. It is not a loan offer or a rate quote. Rates change daily and depend on your individual circumstances. Equal Housing Opportunity · NMLS #362311 · CA DRE #01871814.

Call Start my application