An adjustable rate
is all
about flexibility

The lower the mortgage rate, the more home you can afford. An adjustable-rate mortgage, or ARM, makes that possible by starting out lower than a fixed rate and adjusting over time.

An ARM is a particularly attractive option when you expect changes in your financial situation over the next five years.

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You’ll enjoy these benefits:

  • Low fixed rate for the first five years
  • Rates as low as 4.075% APR1
  • No prepayment penalties

See today's rates on home loan products with full terms and conditions.

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1Annual Percentage Rates (APR) shown are effective October 17, 2019 and may change without notice. Based on a loan amount of $200,000 as of October 17, 2019, 25% down payment, estimated finance charges $2,150.85, and a 30-day rate lock. The loan has a 30-year maturity, and APR may increase after consummation. After the initial fixed-rate period (one year in our example), the interest rate may vary or increase every 12 months according to the market index. The index in the future is unknown; the first adjusted payment is based on the current index plus the margin (fully indexed rate) at the time of this disclosure. At adjustment, the new mortgage rate will be the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published in the Wall Street Journal, plus a margin of 2.25% subject to annual and lifetime adjustment caps and rounded to the nearest 1/8 of a percent. Monthly loan payments include principal and interest. The monthly payments do not include mortgage insurance, property taxes and homeowner's insurance. Therefore, the actual payment obligation may be higher. All loans are subject to credit and property approval. Rates, terms, fees and programs are subject to change without notice. This is not a commitment to lend.

Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS ID #1761612, a wholly owned subsidiary of Desert Financial Federal Credit Union. BK#0949053

Participation in the Real Estate Broker Program is voluntary. Desert Financial Federal Credit Union and its wholly owned subsidiary Define Mortgage Solutions LLC do not receive any benefit, monetary or otherwise, from the Participating Broker under this program. Participating Brokers are non-affiliated third parties of Define Mortgage Solutions LLC and Define Mortgage Solutions LLC makes no warranties or representations about the services provided by Participating Brokers. To participate in this program, the member does not have to finance mortgage loan through Define Mortgage Solutions LLC. For full program details, see the Real Estate Broker Program Member Notice Acknowledgement