Try using an ARM to get your foot in the door.

It's no secret. Living in SoCal costs a pretty penny. Sure, you can shop for a fixer-upper. But one way to afford a little more house is with a Frontwave Credit Union adjustable-rate mortgage (ARM). The initial lower rates will keep the lid on your monthly payments for a set period of time. After that, the rate could move up or down. ARMs are a good bet if you think overall interest rates are due to drop, your personal fortunes are bound to rise, or if you simply expect to move on in a few years and start all over again.

• Choice of loans that offer lower rates for 3, 5 or 7 years
• Annual and lifetime caps limit overall rate increases
• No pre-payment penalties
• Available for purchase or refinance
• Fast, local processing
• Quick escrows
• On-time closings
• Fixed-rate, VA and Jumbo loans also available
• Interest on this loan may be tax deductible*