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22935 Ventura Blvd. Los Angeles, CA

Crestico Funding
  1. Home
  2. Home Loans
  3. Refinancing
  4. Change to Fixed

Change to a Fixed Rate Mortgage

If you currently have an adjustable rate mortgage and want more predictable monthly payments, refinancing into a fixed rate mortgage may provide the stability you are looking for. A fixed rate mortgage keeps your interest rate consistent for the life of the loan, while an adjustable rate mortgage can change over time based on market conditions and the terms of your loan.
Crestico helps homeowners evaluate whether changing from an adjustable rate mortgage to a fixed rate mortgage makes sense for their financial goals, property, and long term plans.

What Is a Fixed Rate Mortgage Refinance?

A fixed rate mortgage refinance replaces your existing home loan with a new mortgage that has a fixed interest rate. Unlike an adjustable rate mortgage, the interest rate does not change during the term of the new loan.
For homeowners who currently have an adjustable rate mortgage, refinancing to a fixed rate can make future mortgage payments easier to anticipate and simplify long term financial planning.
The right refinance option depends on your current interest rate, remaining loan balance, credit profile, property value, closing costs, and how long you expect to keep the property.
Couple discussing changing from an adjustable rate mortgage to a fixed rate mortgage

Why Change From an Adjustable Rate Mortgage to a Fixed Rate Mortgage?

An adjustable rate mortgage can offer an attractive initial interest rate, but the rate may change after the initial fixed period according to the terms of the loan. Changing to a fixed rate mortgage may be worth considering if you want greater payment stability or expect to remain in your home for many years.

Protection From Future Rate Increases

If your adjustable rate mortgage is approaching a rate adjustment period, refinancing into a fixed rate mortgage may help protect you from potential increases in your mortgage interest rate.

More Predictable Monthly Payments

A fixed rate mortgage provides a consistent interest rate throughout the loan term. This can make it easier to budget for your housing expenses and plan your finances.

Greater Long Term Financial Certainty

Homeowners who plan to stay in their property for an extended period may prefer the predictability of a fixed rate loan rather than accepting the possibility of future rate adjustments.

How Does an ARM to Fixed Rate Refinance Work?

The process begins with reviewing your existing mortgage and financial situation. Crestico can help you compare available refinance options based on your current loan and long term objectives.

The typical process includes reviewing your existing mortgage, evaluating your income and credit profile, determining your home’s current value, comparing available fixed rate refinance options, reviewing the estimated costs and savings, and completing the refinance application.

Before refinancing, it is important to consider both the potential benefits and the costs involved. A lower or more stable payment does not automatically mean that refinancing will save money overall.

When Should You Consider Changing to a Fixed Rate Mortgage?

There is no single refinance strategy that works for every homeowner. You may want to consider changing to a fixed rate mortgage when your adjustable rate is expected to increase, you want predictable mortgage payments, you plan to remain in your home for several years, or you want to reduce uncertainty around future housing expenses.

Your current loan terms matter as well. Reviewing the remaining fixed period, adjustment schedule, interest rate caps, current loan balance, and potential refinance costs can help determine whether refinancing makes financial sense.

Fixed Rate Mortgage Refinance in Los Angeles

Crestico works with homeowners looking for mortgage refinance options in Los Angeles and throughout Southern California.
Homeowners in Los Angeles may have different refinance considerations depending on property value, loan size, equity, income, credit profile, and financial objectives. A mortgage broker can help compare loan options from different lenders instead of limiting the search to one lending source.
If you are considering refinancing your adjustable rate mortgage, Crestico can help you evaluate fixed rate mortgage options based on your individual situation.

What Are the Costs of Changing to a Fixed Rate Mortgage?

Refinancing generally involves costs that should be considered before moving forward. These may include lender fees, appraisal costs, title and settlement expenses, recording charges, and other loan related expenses.

The important question is not simply whether the new mortgage has a lower rate. You should also consider the total refinance costs, the expected monthly payment, the new loan term, and how long you expect to keep the property.

Understanding your potential break even period can help you determine whether refinancing is appropriate for your situation.

Is Changing From an ARM to a Fixed Rate Right for You?

Changing from an adjustable rate mortgage to a fixed rate mortgage can be a useful strategy for homeowners who value payment stability and long term predictability.

However, refinancing is not automatically the best choice. If you plan to sell your home soon, the refinance costs may outweigh the potential benefits. In other situations, keeping an adjustable rate mortgage may make sense depending on the loan terms and your financial plans.

Crestico can help you compare your current mortgage with available refinance options so you can make an informed decision.

Frequently Asked Questions

Can I change my adjustable rate mortgage to a fixed rate mortgage?

Yes. In many situations, homeowners can refinance an adjustable rate mortgage into a new fixed rate mortgage, subject to lender requirements and qualification criteria.

Why would I refinance an ARM into a fixed rate mortgage?

The primary reason is payment stability. A fixed rate mortgage can provide a predictable interest rate and help protect against future rate increases associated with an adjustable rate mortgage.

When is the best time to refinance from an ARM to a fixed rate?

The right time depends on your current loan terms, expected rate adjustments, refinance costs, financial situation, and how long you plan to keep the property. Comparing the numbers before making a decision is important.

Will my mortgage payment stay the same with a fixed rate mortgage?

The principal and interest portion of a fixed rate mortgage payment generally remains consistent, although other housing expenses such as property taxes and homeowners insurance can change.

Does refinancing from an ARM to a fixed rate mortgage cost money?

Yes. Refinancing can involve closing costs and other loan expenses. These costs should be compared with the potential benefits of the new mortgage before proceeding.

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David F. N.
In real estate, execution is everything. Having closed numerous transactions, I know firsthand that the right capital partner can make or break a deal. Working with Houtan and the CRESTICO team on our latest LA property reinforced what top-tier lending execution looks like. From initial loan structuring to the final wire at closing, Houtan and his team ran a seamless operation. They managed the complexity behind the scenes, maintained complete transparency, and kept the timeline tight without missing a beat. Buying property in Los Angeles can easily turn into a high-friction process, but their team provided the exact clarity, speed, and diligence required to navigate it smoothly. On a personal level, having known Houtan for years as a friend made the experience even more rewarding. It’s rare to find a team that seamlessly combines deep industry expertise with genuine personal integrity. They treated this transaction with the same care and focus as if it were their own. Whether you’re securing debt for your next investment(s) or purchasing a primary residence, I can’t recommend Houtan and the CRESTICO team highly enough. They are sharp, reliable, and exceptionally dedicated. I look forward to working with them again on future transactions.
Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
Cristy M.
Jason M.
Dane R.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Sean L.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
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