You are not alone.
Facing a payment jump? Let’s map your exit before it lands.
More than $500B in adjustable-rate mortgages reset this year. If yours is on deck, use the quick tools below to see the numbers, then let’s connect about next steps on your timeline.
Try our payment adjustment calculator
Enter a few basics and see how your monthly payment could change when the intro rate disappears.
- Loan balance – what you still owe
- Current rate – your teaser or intro rate
- Reset rate (estimate) – the rate your lender just quoted
- Years left – how long until the loan matures
Payment‑Shock Quick Calculator
Real Life Case Study:
From ‘how do I afford this?’ to ‘hello new chapter!’
Loan in 2020
2M home @ 2.8%
Payment ≈ $6K/mo teaser payment
↓
2025 reset
rate jumps to 6.75%
New payment ≈ $10K/mo full payment
This client is working with our team right now to sell, unlock all the equity that's accrued, and downsize. No doubled payment, no drama.
(Numbers rounded for clarity; Taxes and insurance excluded. each situation will vary.)
Free 15-Minute Equity-Check-In
No forms, no jargon. Just a quick Zoom or phone call with a Pardee strategist.
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A real human walks through your calculator results
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We outline refinance, hold, and sell scenarios (pros + cons)
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You decide what feels right—zero pressure
Looking for a commonsense guide on what to do before your ARM resets?
Whether you’re moving next month or just gathering info, real-estate clarity is always one conversation away.
Let’s connect and turn today’s payment shock into tomorrow’s opportunity.