The loan and realty agents who work for our San Francisco-based firm are highly qualified and committed to providing the best quality financial and real estate services available. We also offer the most competitive rates in the area. The outstanding real estate and mortgage professionals work closely with clients to create a customized financial plan that meets all your real estate and financing needs. No matter whether you're looking to buy your dream house, consolidate debt or refinance an existing loan, we can assist you in finding the best program for you. We want to build lasting relationships with our clients to ensure that they continue to receive excellent service over the years. All information is kept private and secure, unlike many national mortgage and realty companies. Trusted throughout the community, our name is. You can reach us anytime by calling or using any interactive tool on the website to speak with a professional realtor or mortgage broker. We are looking forward to working together. A mortgage that has an adjustable rate mortgage (ARM) is one with an interest rate which can change over the life of the loan. This happens usually due to changes in either the Treasury Bill rate or the prime rate. In order to adjust the mortgage's interest rate, the purpose is to align it with the market rate. A ceiling or maximum interest rate protects mortgage holders. This can be reset each year. Fixed rate mortgages are more appealing than ARMs, so borrowers can be compensated for future fluctuations in interest rates.