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"Working with Nexgen Home Finance is even better than I hoped."

- Bregan Hubbard
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Refinancing Options

Traditional ARMs (Adjustable Rate Mortgages)

Our Traditional ARMs offer you all the features of a fixed-rate loan combined with the value of an adjustable rate mortgage. Start with an initial low fixed rate for 1, 3, 5, 7 or 10 years. The rate will adjust annually. Periodic rate caps determine the maximum allowable increase or decrease when the rate changes, and a lifetime cap determines the maximum allowable increase in rate over the life of the loan.


  • Gives you set payments for a specific period of time
  • Low qualifying rates
  • Affordable home financing

Consider a Traditional ARM if:

  • You want the stability of a low fixed rate for a set period of time.
  • You prefer to keep extra cash on-hand for investing or other needs.
  • You're looking for a fully-amortizing product.
  • You intend to stay in the home for 5 years or less.


  • 15 and 30 year terms: Fixed Interest rate and monthly loan payments over the life of your loan.
  • 30 year fixed rate loan due in 7 with a rate lower than a 30 year fixed rate loan. The loan balance is due at the end of the 7th year as a balloon payment, At that time you have the option to refinance the remaining 23 years or pay the balance.
428 Main St ste 207, Huntington Beach, CA, 92648 | info@nexgenhomefinance.com | ph. 714-912-8488 | fax