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Routing # 211885946

Adjustable Rate Mortgage

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Start Low, Dream Big

Adjustable Rate Mortgage with lower initial payments to get you in your dream home today

Lower Start Rates

Competitive introductory rates • Rate protection with caps

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Equal Housing Lender

Why Choose Our ARM?

Smart financing for today's borrowers

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Lower Payments

Start with significantly lower monthly payments vs. fixed-rate loans

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Buy More House

Qualify for larger loan amounts with reduced initial payments

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Rate Protection

Built-in caps limit how much your rate can increase

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Flexible Options

Refinance to fixed-rate later or pay off early without penalty

Ready to See Your Numbers?

Get personalized rates and payment estimates in minutes

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Choose Your ARM Term

Find the perfect option for your timeline

5/1 ARM

Lowest Rate
5 years fixed, then adjusts annually. Perfect if you plan to move or refinance within 5 years.
Best for: First-time buyers, short-term owners, those expecting income changes

7/1 ARM

Popular Choice
7 years fixed, then adjusts annually. Great balance of stability and savings for medium-term plans.
Best for: Growing families, career professionals, 5-10 year homeowners

10/1 ARM

Most Stable
10 years fixed, then adjusts annually. Maximum stability while accessing lower rates than 30-year fixed.
Best for: Established families, long-term planners wanting decade of predictability

How It Works

Simple steps to understand your ARM

1

Intro Period

Start with low fixed rate for your chosen term (5, 7, or 10 years). Enjoy predictable, lower payments.

2

Rate Adjustments

After intro period, rate adjusts based on market index plus margin. Limited by protective caps.

3

Your Options

Refinance to fixed-rate, make extra payments, or pay off early when it makes sense for you.

ARM vs. Fixed Comparison

See the ARM advantage

Our ARM

Lower Initial Rate
Lower Initial Payment
Early Years Savings
Rate adjusts after intro
Annual & lifetime caps

30-Year Fixed

Higher Initial Rate
Higher Initial Payment
No Early Savings
Rate Never Changes
Predictable payments

See Your Actual Payment Difference

Compare ARM vs fixed payments based on your loan amount

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Rate & Payment Details

ARM features initial fixed-rate period followed by periodic adjustments based on market index plus margin. Rate increases limited by caps. Actual rates vary by creditworthiness, loan amount, and market conditions.

Quick Qualifications

Credit score, debt-to-income ratio, down payment, and employment verification required. All loans subject to credit approval and property appraisal. Equal Housing Lender.

Start Your Application Today

Join thousands who chose PVCU for smart home financing

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Adjustable Rate Mortgage (ARM) Disclosures

Payments do not include amounts for tax and insurance premiums (including flood insurance), if applicable, and the actual payment obligation may be greater

Maximum 95% LTV for purchases
PMI will be required over 80% LTV
Adjustable rate mortgages use the 5 Year Treasury Constant Maturity as the index, caps 2% and 6% and a floor of 2.75%

5/1 ARM has an interest rate that is initially fixed for five years then adjusts annually thereafter

7/1 ARM has an interest rate that is initially fixed for seven years then adjusts annually thereafter

10/1 ARM has an interest rate that is initially fixed for ten years then adjusts annually thereafter
No point Adjustable-Rate Mortgage payment based on $150,000.00 at 6.909% APR for 30 years is $851.69 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance. A rate lock fee will apply. Up to 95% LTV.

*APR = Annual Percentage Rate;
APY = Annual Percentage Yield;
Terms and conditions apply.
Click here for Loan Rates & Disclosure. Click here for Home Loan Rates & Disclosure. Click here for Savings Rates & Disclosure.