Adjustable-rate mortgages (ARMs) often start off sounding like a smart financial move—low introductory rates and manageable monthly payments. But what happens when those low rates adjust upward and your payment suddenly skyrockets?
If you’re one of the many homeowners struggling to keep up as mortgage rates rise, you’re not alone. Thousands of homeowners are now facing unexpected payment shocks that put them at risk of default, foreclosure, or financial stress.
At Moe Buys Homes, we help people sell homes quickly when they’re caught in a tough situation—especially when rising mortgage payments from adjustable-rate loans are part of the problem.
📈 What’s Happening With Adjustable-Rate Mortgages Right Now?
An adjustable-rate mortgage (ARM) starts with a fixed rate for a set period—often 3, 5, or 7 years. After that, the interest rate resets annually or even monthly, based on a financial index (like SOFR or LIBOR) plus a margin.
When interest rates rise (like they have over the past two years), your payments can jump hundreds of dollars overnight.
For example:
- Initial payment: $1,250/month at 3%
- After adjustment: $1,825/month at 7.5%
That’s a $575/month increase—and it’s catching homeowners off guard, especially those on tight budgets.
🚩 Warning Signs You’re Headed Toward Trouble
If you’re starting to feel the financial pressure, watch for these red flags:
- Your mortgage payment has recently jumped
- You’re dipping into savings or credit cards to keep up
- You’re skipping other bills to pay the mortgage
- You’ve already missed a payment
- You expect another rate hike soon
These are signs that it’s time to consider your options before the situation worsens.
💣 The Risks of Waiting Too Long
If your payment becomes unmanageable, and you can’t refinance (due to income, credit, or lack of equity), your home could soon be:
- In pre-foreclosure
- At risk of default
- Piling up late fees and penalties
- Hurting your credit score
And the worst part? Adjustable-rate loans can keep rising as long as rates go up—there’s no guaranteed ceiling unless your mortgage specifies one.
🏃 Why Selling Now May Be Your Best Move
If you’re falling behind or just barely holding on, selling your home quickly can help you:
- Pay off the mortgage in full
- Avoid foreclosure or forced sale
- Protect your credit score
- Walk away with any remaining equity
- Eliminate future rate hikes and stress
At Moe Buys Homes, we specialize in helping homeowners in urgent financial situations—especially those dealing with rising ARM payments.
✅ How Moe Buys Homes Can Help You Sell Fast (Even If You’re Behind)
We buy homes as-is, in any condition, and we can close in as little as 7–10 days. You don’t need to list with an agent, pay commissions, or wait for bank approvals.
Here’s how our process works:
- Contact us – Call or fill out our short form
- Get a cash offer – We assess your property and make an offer in 24–48 hours
- Pick your closing date – You choose what works for you
- We handle the rest – No clean-up, no repairs, no showings
- You get paid – And move on with financial freedom
💬 Real Case: Melissa’s ARM Shot Up, But We Helped Her Sell Fast
Melissa purchased her home with a 5-year ARM at 2.75%. In year 6, her rate jumped to 7.25%, increasing her mortgage by over $700/month. With two kids and no room in the budget, she reached out to Moe Buys Homes.
We gave her a cash offer within 24 hours, helped her close in 9 days, and she walked away with enough equity to relocate and breathe again.
“I felt like I was drowning. Moe Buys Homes gave me a way out without judgment. I wish I had called sooner.”
🧠 Common Questions About Selling With an ARM
Can I sell even if my rate just adjusted?
Yes. You can sell anytime—before or after your rate changes.
What if I’m already behind on payments?
We can still help. In many cases, we work directly with your lender to stop foreclosure and settle the debt.
Will I owe fees or commissions?
Nope. We cover closing costs and never charge commissions.
Can I sell if I have little or no equity?
Possibly. We can discuss short sale options or creative solutions depending on your situation.
🚪 Ready to Escape Rising Mortgage Rates?
Don’t let an adjustable-rate mortgage control your life. If your monthly payments are going up and you’re ready for a fresh start, we’re ready to help.
👉 Request Your Free, No-Obligation Cash Offer Now
📞 Or call us at (insert number) to speak directly with someone who understands your situation.