Adjustable-Rate Mortgage (ARM)

5/6 ARM and 7/6 ARM

More Flexibility. One Competitive Edge.

Angel Oak Mortgage Solutions is expanding your lending toolkit with two powerful Adjustable-Rate Mortgage (ARM) options: the newly launched 5/6 ARM and 7/6 ARM. These programs offer greater flexibility for your borrowers and a strategic advantage for your business.

Both ARM options are now available across our Portfolio Products and Investor Cash Flow (ICF) programs. These additions strengthen our ability to serve borrowers with unique financial profiles, offering flexible terms and competitive pricing.

Designed with Your Borrowers in Mind.

5/6

ARM

7/6

ARM

5/6 ARM

5-year fixed rate, followed by 6-month adjustable periods
Designed for borrowers seeking stability with adaptability

7/6 ARM

7-year fixed rate, followed by 6-month adjustable periods
Ideal for borrowers who want longer-term stability

Available Across These Programs

Bank Statement
Platinum
Portfolio Select
DSCR – Investor Cash Flow

Contact Angel Oak

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FAQ’s

An Adjustable-Rate Mortgage (ARM) is a home loan that begins with a fixed interest rate for an initial period and then adjusts at scheduled intervals based on a published market index plus a margin.

After the fixed period ends, the interest rate adjusts according to the loan’s index and margin. Periodic and lifetime caps define the maximum amount the rate may increase at each adjustment and over the life of the loan.

Common ARM structures include 5/6, 7/6, and 10/6 terms. The first number reflects the fixed-rate period in years, and the second reflects how often the rate adjusts thereafter.

An ARM may be appropriate for borrowers who expect to sell or refinance within the fixed period, or investors seeking improved early-term cash flow.

ARM options are available through Bank Statement, Platinum, Portfolio Select, and DSCR Investor Cash Flow programs, subject to eligibility guidelines.