NOTICE: As we continue to balance our role as an essential service provider with the health of our employees and members, the ability to staff all of our branches is sometimes impacted. Our Milpitas, Palo Alto, San Francisco, and Sunnyvale branches will be temporarily closed effective December 2nd. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience. Click here for open branch locations and hours.

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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 and payment amount remain fixed during the first few years of the loan). After the initial fixed rate period is over, (3 to 10 years) the rate can adjust annually. We offer ARMs on amounts up to $8 Million.

    Plus, we do not charge lending fees.*

    Check out 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 Rate Mortgages
    MortgagesRateAPRPoints
    3 Year Jumbo Adjustable Rate2.625%2.630%0.000%
    5 Year Jumbo Adjustable Rate2.750%2.755%0.000%
    7 Year Jumbo Adjustable Rate2.875%2.880%0.000%
    10 Year Jumbo Adjustable Rate3.000%3.005%0.000%
    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.

  • Apply Now     Check All Rates

    Resources:

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  • *Borrowers will pay third party fees such as appraisal, title and escrow unless loan program terms state otherwise. Offer applies to owner-occupied 1st mortgage puchase loan transactions in California. Other terms and conditions may apply. **The Tech CU Quick Close Guarantee ("Guarantee") is available only on an approved application for a 1st-position loan used to purchase an owner-occupied 1-4 unit California residential dwelling. Applicant must request the Quick Close Guarantee from a Tech CU Mortgage Originator at the time of application. Other real estate-secured loans are not eligible. If, due to circumstances within Tech CU's control, an eligible loan fails to close within 10 business days after Tech CU receives a complete loan application, borrower will receive a $500 gift card. One gift card per loan. No cash substitution. Gift card will not be replaced if lost or stolen. A complete application includes, at minimum, all documents and verification required of applicant and third parties such as employer, appraiser, title company and HOA; additional documents may, at Tech CU's reasonable discretion, be required before application package is deemed complete for purposes of the Guarantee.

    **The Tech CU Quick Close Guarantee ("Guarantee") is available only on an approved application for a first-position loan used to purchase an owner-occupied 1-4 unit California residential dwelling. Applicant must request the Quick Close Guarantee from a Tech CU Mortgage Consultant at the time of application. Other real estate-secured loans are not eligible. If, due to circumstances within Tech CU's control, an eligible loan fails to close within 10 business days after Tech CU receives a complete loan application, borrower will receive a $500 gift card. One gift card per loan. No cash substitution. Gift card will not be replaced if lost or stolen. A complete application includes, at minimum, all documents and verifications required of applicant and third parties such as employer, appraiser, title company and HOA; additional documents may, at Tech CU's reasonable discretion, be required before application package is deemed complete for purposes of the Guarantee.

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(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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