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. Better yet, as a member, you receive a credit of up to $500 toward your home appraisal when you purchase your home through Desert Financial.*

Apply Now

You’ll enjoy these benefits:

  • Low fixed rate for the first five years
  • Rates as low as 4.677% APR**
  • No prepayment penalties
  • Free appraisal up to $500 when purchasing your home*

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

Best Time To Call
  • Any
  • Morning
  • Afternoon
  • Evening
  • Weekend

1Free appraisal (up to $500) on real estate purchase transactions for mortgage loans serviced by Desert Financial. Additional restrictions may apply. All loans subject to credit approval. If an application is declined by Desert Financial, Desert Financial will cover related appraisal costs up to $500. If the appraisal cost exceeds $500, the difference will be the responsibility of the applicant. Offer is valid for a limited time only. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS#1761612, a wholly owned subsidiary of Desert Financial Federal Credit Union.