Get Competitive Rates on Adjustable Rate Mortgages

Many homeowners sell or refinance in less than 7 years. So, consider an Adjustable Rate Mortgage (ARM). Start with a lower rate and pocket the savings. Whether you are buying new or refinancing, check out our 5/5 or 7/1 ARM^*.

Lock in Your Rate for a Longer Period

Maintain consistent payments with fixed-rate loans:

Refinance with a 15-year fixed rate. Pay down your mortgage faster and save thousands in interest.
Consider our 30-year fixed rate if you’ve found a home to stay—no gimmicks here.

Use our Mortgage Refinance Calculator to run the numbers; or contact us to get started.

Today's Rates

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NMLS ID #649058. Mortgages available in Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st Mortgage only), Utah and Washington.

^*Rate is effective 08/12/2021. 5/5 adjustable rate mortgage payment example: This is a fixed rate loan for the first 5 years then the rate adjusts and is fixed for another 5 years. Adjustments only occur every 5 years with a maturity in 30 years. For a $400,000 loan with a start rate of 2.375% Rate, 2.800% APR (Annual Percentage Rate), for the first 60 months, your estimated fixed payment would be $1,554.61. Your first adjustment will occur at the 61st month. Your rate will be no more than 4.375% with an estimated fixed payment of $1,929.00 for 60 months. Your second adjustment will occur at the 121st month. Your rate will be no more than 6.375% with an estimated fixed payment of $2,275.00. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 7.375%, with an estimated maximum payment of $2,421.00. 7/1 adjustable rate mortgage payment example: This is a fixed rate loan for the first 7 years then the rate adjusts every year thereafter with a maturity in 30 years. For a $400,000 loan, with a 2.500% Rate, 2.444% APR, for the first 84 months, your estimated payment would be $1,580.48. Your first adjustment will occur at the 85th month. Your rate will be no more than 4.500% with an estimated fixed payment of $1,930.00. Future adjustments of no more than 2% adjust every 12 months. Your rate will be no more than 7.500% with an estimated maximum fixed payment of $2,496.00. Rates are subject to change without prior notice. Index rate for the Five-Year Treasury Constant Maturity is 0.69%. Index rate for the One-Year Treasury Constant Maturity is 0.06%. The margin is 2.25% - the floor is also 2.25%. Index and margin rates are accurate as of August 12, 2021. For Refinance only on Primary residence and second home. Purchase, Construction and Land Loans are not available for this loan product. Investment property does not qualify for this loan product. Both conforming loan programs and jumbo programs available. You will only pay for pre-paid items such as impounds (for taxes), homeowner’s insurance, along with pre-paid interest and prorations. Taxes and insurance are not included in the payment shown, the payment may be higher.

For mortgages in all other states click here