FHA and VA Loans Now Available with Adjustable Rates

On Q Financial, LLC is known for its product suite. Our variety of flexible options make our offerings some of the most robust in the mortgage industry. It’s that reputation that drives us to expand opportunities for homeowners further. We believe in making the dream of homeownership a reality for everyone, and our latest move does just that!
Adjustable-rate mortgages are excellent for those seeking to purchase a home at a lower rate and sell or refinance later on. Now, we’ve added adjustable-rate options to two of our most popular options: FHA and VA loans.

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What is an ARM?

Adjustable-rate mortgages differ from fixed rates in that they allow your rate to change over the life of your mortgage. These loans typically start at a low rate and increase over time. However, there are limits on when and by how much your interest rate can change.
With ARMs, the interest rate adjusts periodically based on the terms established when you originated your loan. Usually, this period is every five years. There is also a maximum amount your interest rate can shift.

ARM Type 5/1
Maximum Adjustments 1% maximum per change, 5% lifetime cap

Lenders offer such low rates on adjustable-rate mortgages because it comes with less risk to them. If a borrower remains in good standing after the five years, their rate may not change as much, but if a borrower makes late payments or proves to be more of a risk, their rate increase may reflect that.

Government-Backed ARM Loans

ARM loans are an excellent tool to secure a low rate early on, but we’re even more excited to announce that we now offer ARM options for FHA and VA loans! This means that borrowers can take advantage of the already low rates and qualifying requirements of government-backed loans with the added benefits of an adjustable-rate mortgage!

Government agencies design mortgages like FHA and VA loans to allow maximum accessibility for American homebuyers with lower FICO scores and down payment requirements. Adding the flexibility and low rate options of adjustable-rate mortgages allows On Q Financial, LLC to help even more families achieve their dream of homeownership!

Who is Eligible?


  • U. S. Citizens
  • Permanent Resident Aliens


  • Non-Permanent Resident Aliens
  • U. S. Citizens
  • Permanent Resident Aliens

As with all loan programs, your lender will review your application for the following before you can be approved:

  • Income
  • Assets
  • Credit
  • Debt
  • Property

Do not hesitate to reach out to one of our expert mortgage consultants if you have any questions.

Make the Dream of Homeownership a Reality

FHA and VA loans are excellent for starting families, and low qualification requirements may mean you can afford your dream home with less hassle. With ARM options now available, government loans can help create more opportunities for savvy home shoppers to save money.

Ready to see if you qualify? Reach out today to find out or continue your mortgage education with our Home Buying Journey series. We look forward to helping you achieve your dream!

* Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Rates and fees are subject to change at any time and are not guaranteed. Programs are subject to change without notice. Loan approval is subject to applicant’s qualification for a loan program. On Q Financial, LLC does not guarantee that each applicant will receive a loan. On Q Financial, LLC0524210685d00000E5L7R