Question 1

How long is the fixed period on a typical ARM?

Accepted Answer

Common options are 5, 7, or 10 years fixed. The 7/1 ARM is the most popular choice for Fairfax buyers.

Question 2

What happens when my ARM adjusts?

Accepted Answer

Your rate changes based on a market index plus a lender margin. Rate caps limit how much it can move each adjustment period.

Question 3

Is an ARM risky in a high-cost market like Marin?

Accepted Answer

Risk depends on your timeline. If you sell or refinance before the fixed period ends, you avoid adjustment risk entirely.

Question 4

Can I get an ARM on a jumbo loan in Fairfax?

Accepted Answer

Yes. Jumbo ARMs are widely available and often where the savings are biggest given Marin County loan sizes.

Question 5

What credit score do I need for an ARM?

Accepted Answer

Lenders require at least 620. For the best initial rates on a Marin-sized loan, aim for 700 or higher.

Question 6

How are ARM rates different from fixed rates right now?

Accepted Answer

As of April 2026, ARM rates are running below 30-year fixed rates. Rates vary by borrower profile and market conditions.

ARM Loans in Fairfax, CA: Lower Rates, Smarter Strategy