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Adjustable Rate Mortgage

Save more upfront with an adjustable rate mortgage

An adjustable rate mortgage (ARM) offers lower initial payments and flexible terms, perfect for homeowners planning to move or refinance within a few years.

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Adjustable Rate Mortgage Benefits

Start low and save with an adjustable rate mortgage.

An ARM offers lower initial payments with flexible terms, like 5/1, 7/1, and 10/1 options. ARMs provide an affordable path to homeownership with competitive starting rates and the potential for future savings.

Lower initial payments
Flexible loan terms
Potential for future savings if rates go down
Increased purchasing power
Ability to sell or refinance before rates adjust

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5/1 ARM: Save more in the first five years.

With a 5/1 ARM, enjoy low fixed payments for five years before the rate adjusts. Ideal for buyers who plan to move or refinance soon.

Get started with a 5/1 ARM

7/1 ARM: Flexibility and stability combined.

Secure a low fixed rate for seven years with a 7/1 ARM. Perfect for homeowners who want more time to plan for future adjustments.

Apply for a 7/1 ARM today
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10/1 ARM: Long-term savings, flexible rates.

A 10/1 ARM offers a full decade of fixed rates, providing stability with the flexibility to adjust later. Great for buyers wanting stability upfront.

Explore your options with a 10/1 ARM
Frequently Asked Questions

You’ve got adjustable rate mortgage questions. We’ve got answers.

Are there limits on how much the rate can adjust?

Yes, ARMs typically have caps that limit how much the interest rate can change. These include initial adjustment caps, periodic adjustment caps, and a lifetime cap that keeps rates from exceeding a certain level over the life of the loan.

What do terms like 5/1, 7/1, and 10/1 mean?

In ARM terms, the first number represents the initial fixed-rate period in years, and the second number indicates how often the rate adjusts after that period. For example, a 5/1 ARM has a fixed rate for five years and then adjusts annually.

What is an adjustable rate mortgage (ARM), and how does it work?

An ARM starts with a fixed interest rate for an initial period (such as 5, 7, or 10 years), followed by a rate that adjusts periodically based on market conditions. This structure allows you to benefit from lower rates upfront, with adjustments occurring annually after the fixed period.

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