Adjustable-Rate Home Loans

Discover flexible mortgage rates designed to do more while costing you less.

Adjustable-rate mortgages (ARMs) are home financing options that maximize high rewards without compromising on flexibility. Affordable rates are locked in for a set term, adjusting thereafter at established intervals, enabling you to leverage falling interest rates and better financial climates.

Adjustable-rate home loans from Excite Credit Union offer lower starting rates than fixed-rate mortgages, providing benefits that include:

Adjustable-Rate Mortgage Calculator

Enter your information below to determine how much your home loan would cost over time.

Adjustable-Rate Mortgage FAQ

A: Adjustable-rate home loans from Excite Credit Union are offered in 30-year terms. 3/1, 5/1, and 7/1 loans will adjust one year after the initial fixed period. 

A: Interest rates rise and fall over time, making future rates difficult to determine. It is important to weigh the pros and cons of an adjustable-rate mortgage before locking in your initial rate.

A: If you have short-term financing goals, an adjustable-rate mortgage may be the best option for you. Opting for the flexibility and potential savings offered by ARMs is a great way to save more on your monthly mortgage payment.

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