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  • Adjustable Rate Mortgages

    An Adjustable Rate Mortgage (ARM) is a 30-year mortgage that usually has a short-term fixed rate period at the beginning of the loan (your rate remains fixed during the first few years of the loan, as does your payment amount). After the initial fixed rate period is over, the rate can adjust annually (3 or 5 years). We offer ARMs on amounts up to $8 Million.

    Fund a new mortgage and we'll waive our lender fees on adjustable rate mortgages - you save $1,000. *

    Click here for our current loan program options or contact one of our Mortgage Consultants for more details.

    Benefits:

    • Lower monthly payments in the initial years of your mortgage.
    • If you anticipate your income increasing in the future, or if you plan on staying in your home for seven years or less, an Adjustable Rate Mortgage (ARM) may be a great option.
    • Quick-Close Guarantee: If we don't close your purchase loan in 10 business days , you'll receive a $500 gift card!**
    • Up to 90% loan-to-loan value - maximum $1 million dollars with mortgage insurance.

    Rates

  • Adjustable Rates Mortgage
    MortgagesRateAPRPoints
    3 Year Conforming Adjustable Rate3.13%3.16%0.00%
    5 Year Conforming Adjustable Rate3.25%3.28%0.00%
    7 Year Conforming Adjustable Rate3.50%3.53%0.00%
    Loans available for California 1 -4-unit primary residences only. Rates and terms are subject to change without notice. Additional terms and conditions apply. All loans require Tech CU membership, credit approval, and you must meet security requirements. View mortgage payment examples.
  • Resources:

    tech-cu-home-loan-mortgage-equity-large

    • Learn about homebuying – Articles that will provide you with tips to help make the home buying process easier.
    • Mortgage Tools & Calculators - Compare mortgage options with easy-to-use tools and calculators.
    • HomeAdvantage® - A free service that helps you find your next home. Helping you with the research, connecting you with experts in the field and saving you money when you need it most when you sign up for HomeAdvantage Cash Rewards.
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