Refinance or restructure your loan with clarity, compliance, and confidence — even if your situation doesn’t fit the traditional lending box.

Smart Mortgage Solutions When Banks Say No

At Call The Mortgage Guy, we help borrowers navigate non-QM, refinance, and custom loan solutions by starting where most lenders don’t: proper underwriting and compliant structure.
Whether you’re self-employed, carrying unconventional income, or stuck in an unfavorable loan, we focus on building terms that actually work — not just pushing applications.

Adjustable-Rate Mortgage (ARM)

5/6 ARM and 7/6 ARM

5/6 ARM

Fixed interest rate for the first 5 years, then adjusts every 6 months afterward
Great for borrowers who want lower initial payments with future flexibility
Ideal if you may refinance, move, or sell before the adjustment period begins

7/6 ARM

Fixed interest rate for the first 7 years, then adjusts every 6 months afterward
Offers longer upfront payment stability before adjustments begin
A smart option for buyers wanting lower rates with more time before changes occur

Available Loan Programs

Bank Statement Loans
Platinum Mortgage Options
Portfolio Loan Programs
DSCR Investor Cash Flow Loans
Conventional & Jumbo Loan Options
FHA, VA & USDA Loans

More Flexibility. More Mortgage Options.

CallTheMortgageGuy offers powerful Adjustable-Rate Mortgage (ARM) solutions designed to give borrowers more flexibility and competitive financing choices. Our 5/6 ARM and 7/6 ARM programs provide lower initial rates with fixed payment periods before future adjustments.

These loan options are ideal for buyers who want affordable starting payments, plan to refinance later, or may move before the fixed period ends.

Both ARM programs are available through select loan products, including options for self-employed borrowers, investors, and clients with unique financial situations. With flexible terms and competitive pricing, we help more borrowers qualify with confidence.

Built Around Your Goals.

Contact CallTheMortgageGuy

Please provide your contact information below and an experienced mortgage professional in your area will be in touch within the next business day.

*

Which best describes you?

Borrowe

Originator

Other

Privacy Policy | Terms of Service

Built for Borrowers Who Don't Fit the Bank Box

Mortgage Solutions Designed for Real-World Financial Situations

Most lenders are trained to look for reasons to say no.
We’re built to look deeper.

At Call The Mortgage Guy, we specialize in refinance and non-QM solutions for borrowers with complex income, unconventional circumstances, or loans that no longer serve them. Our approach starts with underwriting and structure — not just rate sheets or automated approvals.

Ready to See What's Possible?

Start With a Conversation - Not An Application

You don’t need perfect credit, clean W-2s, or a bank-approved story to get clarity.
We’ll review your situation, identify where the friction is, and determine whether a better structure exists — before you commit to anything.