However, on an ARM, the initial rate changes after a set period - and can potentially rise according to the benchmark index the lender uses. Listed rates are typically lower for adjustable-rate mortgages (ARM) compared with fixed-rate mortgages. ![]() Mortgage rates change daily and are determined by a borrower’s qualifications and the overall market. You can request a rate quote by filling out an online questionnaire, calling the company or visiting a branch in person. Caliber Home Loans does not publish its rates online.
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