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Adjustable Rate Mortgage with introductory rates that fit your budget today
Competitive introductory rates available
Then adjusts based on market conditions
Actual rates vary based on creditworthiness, loan amount, and market conditions.
See what rates and payments you qualify for with our ARM loan program. Get personalized rates based on your unique financial situation.
Our mortgage specialists will provide you with current rates and custom payment options.
Flexible financing designed for today's smart borrowers
Start with significantly lower monthly payments compared to fixed-rate mortgages, giving you more financial flexibility in the early years.
Qualify for a larger loan amount with lower initial payments, helping you get into the home you really want.
If rates stay stable or decline, you could save thousands in interest payments over the life of your loan.
Convert to a fixed-rate mortgage later or refinance without penalty if your financial situation changes.
Ideal if you plan to move or refinance within 5-7 years, maximizing your savings during the introductory period.
Clear rate adjustment schedule with caps that limit how much your rate can increase, protecting you from extreme market changes.
Find the perfect adjustable rate mortgage that fits your timeline
5 years fixed, then adjusts annually. Perfect if you plan to move or refinance within 5 years. Offers the lowest initial rate and maximum savings during the fixed period.
7 years fixed, then adjusts annually. Great balance of stability and savings. Ideal for families planning to stay in their home for 5-10 years while enjoying lower initial payments.
10 years fixed, then adjusts annually. Maximum stability with ARM benefits. Perfect for those who want long-term predictability while still accessing lower rates than traditional 30-year fixed mortgages.
Understanding your mortgage timeline
Initial Term: Start with a low fixed rate for your introductory period. Enjoy predictable, lower monthly payments during this time.
Rate Changes: After the intro period, rate adjusts based on market index plus margin. Adjustments happen on a predetermined schedule.
Built-in Caps: Rate increases are limited by annual and lifetime caps, protecting you from extreme market fluctuations.
Flexibility: Refinance to fixed-rate, make extra payments, or pay off early without penalty when it makes sense for you.
Get personalized rate quotes and payment schedules based on your situation.
See the potential advantages of our adjustable rate mortgage
Get real payment comparisons based on your loan amount and credit profile.
Adjustable Rate Details: Our ARM features an initial fixed-rate period followed by periodic rate adjustments based on market conditions. The specific terms, including intro period length, adjustment frequency, and rate caps, will be detailed in your loan estimate based on the program you select.
Rate Adjustment Process: After the initial fixed period, your interest rate will adjust based on a market index plus a fixed margin. Rate increases are limited by periodic and lifetime caps to protect you from excessive payment increases.
Payment Examples: Your actual payment will depend on your loan amount, term, interest rate, and loan-to-value ratio. Payment estimates provided by our quote tool include principal and interest only and do not include taxes, insurance, HOA fees, or other escrow items.
All loans subject to credit approval and property appraisal. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, and other factors. This is not a commitment to lend. Pioneer Valley Credit Union is an Equal Housing Lender.
NMLS ID: 541602
Member NCUA: Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Join thousands of satisfied members who chose Pioneer Valley Credit Union for their home financing needs
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.
Calculator is for informational use only. Your actual loan terms will vary based on a number of factors.
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Calculator is for informational use only. Your actual savings will vary based on a number of factors.