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  • Adjustable Rate Mortgages (ARMs) up to $8 Million

    An Adjustable Rate Mortgage 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 (or 3 or 5 years).

    Fund a new mortgage and we'll waive our lender fees on adjustable rate mortgages —
    you save $500*


    Apply Online >>


    Check Rates >>


    Benefits of an Adjustable Rate Mortgage:

    • Click here for our current loan program options, or ask a Tech CU Mortgage Consultant for details.
    • Lower monthly payments in the initial years of the 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!**
    30-Year Adjustable Rate Mortgage
    Availability 1-year, 3-year, 5-year, 7-year fixed rate for the initial period; adjusts annually (or 3 or 5 years) thereafter. 
    Pre-payment penalty N/A
    Options No Cost***
    Property limitations California, Oregon, Washington, and Arizona properties: primary residences, second or vacation homes, and 1-4 unit non owner-occupied residences


    * $500 application fee required with application and is non-refundable if loan does not fund. Tech CU will waive the loan origination fee of $500. All other Third Party Service Provider fees will apply. Offer applies only to single family, owner-occupied transactions in California and cannot be combined with other offers. Offer applies to adjustable rate mortgages only for applications received by February 28, 2016 and funded by April 30, 2016. FHA, Business, and Commercial loans are not eligible. For additional details, speak to a Mortgage Consultant.

    **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.


     ***A "No Cost" version requires no lender closing costs or third party costs (such as appraisal and title) to establish the loan. No cost option available on 3/1, 5/1, 7/1, 3/3, and 5/5 adjustable rate mortgages only.

    Rates and terms subject to change without notice. Additional conditions may apply.