Pay less from day one with a Texas ARM. Lock in introductory rates up to 1% lower than fixed mortgages, with built-in rate caps that protect you.
Save up to $350/mo with lower ARM introductory rates vs. fixed.
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ARM introductory rates are significantly lower than fixed-rate mortgages, putting more cash back in your pocket each month.
Perfect for short-term homeowners, investors, and buyers who plan to refinance or sell before the first rate adjustment.
Every STX Lending ARM comes with caps that limit per-adjustment and lifetime rate increases, protecting you from surprises.
Take advantage of lower introductory rates with a Texas adjustable-rate mortgage. Our 3/1, 5/1, 7/1, and 10/1 ARM programs come with built-in rate caps, transparent terms, and expert guidance from application to closing.
Lock in a lower introductory rate for 3, 5, 7, or 10 years before adjustments begin. The longer the fixed period, the higher the initial rate.
Built-in protections limit how much your rate can change per adjustment (typically 2%) and over the life of the loan (typically 5%).
After the fixed period, your rate adjusts based on the Secured Overnight Financing Rate (SOFR) index plus a fixed margin set at closing.
Available as 15 or 30-year total terms. Commonly used for primary residences, second homes, and investment properties throughout Texas.
Compare ARM vs. fixed-rate scenarios and project your monthly savings.
See a side-by-side comparison of adjustable vs. fixed-rate monthly payments and total interest paid over time.
Project your exact monthly principal, interest, taxes, and insurance based on current Texas ARM rates.
See how extra payments shave years off your loan and save tens of thousands in interest.
Split your monthly payment in half — paid every 2 weeks — and shave ~5 years off a 30-year loan.
Everything you need to know about adjustable-rate mortgages in Texas.