ARMs Today

Episode 084 of Mortgage Beat

Police Mortgage Loan Officer, Angel Saldana (NMLS #2767126) talks about the strategy of using an adjustable-rate mortgage (ARM) in today’s rate environment in the 4th quarter of 2026. He also stresses the need to look at the cap on the ARM that can provide some peace of mind in a rising-rate environment.

Rates mentioned during the episode are as of the date of recording on 10/8/26.

Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company dedicated to serving Police Officers and First Responders. Founded in 2008, Police Mortgage offers a variety of mortgage products tailored to meet the needs of those who serve and protect. To learn more or to apply for a home loan go to www.policemortgage.com or call 312-499-8878.

NMLS #268165

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ABOUT THE HOST:

Angel Saldana

I grew up on the southwest side of Chicago in a proud police family, with both of my parents serving in the Chicago Police Department. That upbringing gave me a deep appreciation for the commitment and sacrifice of law enforcement families.

I began my career at The National Police Federal Credit Union as a Branch Representative, where I spent two years assisting members with their financial needs. Prior to joining Police Mortgage, I worked as a realtor. During that time, I experienced a challenging transaction that was made difficult by a lack of communication from the loan officer involved. That experience opened my eyes to the impact a loan officer can have on a family’s homebuying journey — and it motivated me to enter this profession myself.

I wanted to ensure that the families we work with feel supported, informed, and cared for every step of the way.

I joined Police Mortgage and am proud to serve the police community in a personal and meaningful way. My goal is always to make the loan process as smooth and stress-free as possible, while providing clear guidance and dependable service.

Outside of work, I enjoy spending time with my wife and daughter, staying active in the gym, and leading youth ministry at my church.

These values of family, community, and service continue to guide both my work and my life.