What is a Hybrid ARM Mortgage?

With so many different types of mortgages available to home buyers, it can be hard to know which one is right for you. One type of mortgage that may be worth considering is the hybrid ARM mortgage. A hybrid ARM mortgage combines the features of a fixed-rate and adjustable-rate mortgage, giving you the best of both worlds. Let’s take a look at what this type of loan entails and how it could benefit you as a home buyer.

What is an ARM Mortgage?

An adjustable-rate mortgage (ARM) is a type of loan where the interest rate changes over time based on market conditions. The initial interest rate on an ARM will usually be lower than a fixed-rate mortgage, but after that initial period, the rate could go up or down depending on the market.

How Does a Hybrid ARM Work?

A hybrid ARM takes elements from both fixed-rate and adjustable-rate mortgages and combines them into one loan product. With this type of loan, you get a fixed rate for an initial period—usually three years—and then your interest rate adjusts annually after that period ends. This means you get some stability in terms of your monthly payments during the initial period without having to commit to a long-term fixed-rate loan. After that point, you still have some control over your payment since your rate won't adjust too much year over year due to limits placed on how high or low it can go.

Benefits of Hybrid ARMs

The greatest advantage of hybrid ARMs is their flexibility. You don't have to commit to either a fully fixed or fully adjustable rate mortgage; instead, you get the best of both worlds with each initial period allowing you to plan ahead with some certainty while also having some control over your payment after that point should rates change drastically in either direction. Additionally, since hybrid ARMs usually start off with lower interest rates than fixed mortgages do, borrowers can save money initially when compared to other types of loans.


Hybrid ARMs are an attractive option for homebuyers who want the peace of mind offered by a fixed-rate mortgage but aren’t ready to commit to one for an extended period of time. They offer more flexibility than either traditional fixed or adjustable mortgages and often come with lower initial rates as well making them attractive options for potential homeowners looking for something different than either traditional option provides.


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Meet The Team

Brian Spitulski
NMLS# 880824

Haley Dickerson
NMLS # 2319236


NMLS# 218326

NMLS# 1700043

Mark Villanueva

Home Buyer in Happy Valley

Brian helped my wife and I purchase our first home in Happy Valley. As first time homebuyers, there was a steep learning curve throughout the entire home buying process. Brian was very helpful and patient in explaining not only procedures involved with obtaining the mortgage, but also with anything other processes we had questions about. Brian even came to our escrow signing appointment to give the paperwork a final look. Brian still contacts us every few months to let us know how interest rates are looking and whether it would be beneficial to refinance. Big thumbs up to Brian and we'll definitely use him again when we're in the market for another property.

Sean Curringan

Vancouver Home Buyer

My wife and I have followed Brian from his previous company to him now at U-Mortgage. While his company has changed, his level of service has stayed light years ahead of the rest of the industry and for that, we’re very grateful! Buying a house is for most people, the largest purchase they will ever make, which can be a pretty scary situation. Brian goes above and beyond to ensure that the consumer knows exactly what is going on at all times. This can be as simple as explaining what certain fees are or possibly as complex as how best to boost a credit score. Whatever the case may be, Brian is amazing! I personally don’t know too many Mortgage Guys who go as far as making sure to be present at the final signings. Mr. Spitulski does this and much more. My wife and I plan on using Brian in the future and highly recommend anyone else going through the home purchase process to give Brian at least a shot, it’s well worth it!

R. Rogers


Put your trust into Brian! You can tell he is honest and truly cares about his customers. He worked hard to get us the best possible interest rate (and keep it despite closing taking longer than expected due to an issue the sellers of our new house needed to work out). He patiently worked with us over the course of two years while we paid off debts, saved, and followed his advice to increase our credit scores. Once we were ready to go and found our dream home, Brian got everything mortgage-related done lightening fast! The whole process was so quick, easy and smooth I couldn’t believe it!! He was always quick to answer our millions of questions (this is our first house) and clearly works long hours to make sure his people are completely taken care of. Our experience couldn’t have been better!