5/5 ARM

Rates as low as
2.652% APR

  • Interest rate will only adjust once every 5 years
  • 2% rate adjustment cap every 5 years with a lifetime cap of 5%

Increase your purchasing power

  • Low initial payments
  • The benefits of both fixed & ARM
  • Up to 6% seller concessions allowed

Stay local

We retain servicing of your loan, so you’ll always be dealing directly with us.

Give us a call at 858.546.2039 to get started today!

Let us give you a hand with the ARM details. APR= Annual Percentage Rate. APR is 2.652% as of 7/3/14. A payment on a $400,000, 30-year adjustable rate loan at a rate of 2.750% and 80% Loan to Value (LTV) is $1,633.00 per month for the first 5 years, with 0 points due at closing. Rates are subject to increase or decrease. Rate is based on the index of the 1-Year London Interbank Offered Rate (LIBOR) + 2.00% margin. Maximum cap of 2% every 5 years and 5% over the life of the loan. Payments do not include amounts for taxes and insurance, including Private Mortgage Insurance, which is required for loans over 80% LTV. Your actual payment will be greater. For loan amounts with an LTV of 90% or greater, an escrow account for the payment of taxes and insurance will be required. Example assumes (unless otherwise noted): closing costs are paid out of pocket; no cash out at closing; and credit score is 720 or greater. Certain restrictions apply. Programs, rates, terms, conditions and services are subject to change without notice and may vary based on credit qualifications and collateral. Visit a branch or call us for details. 7/14