5/5 Adjustable Rate Mortgage

Less interest. More buying power.

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Most adjustable rate mortgages are only great during the initial fixed-rate period.




A different kind of adjustable rate mortgage

Most adjustable rate mortgages (ARMs) are great during the initial fixed-rate period, but then
the rate can rise substantially for the rest of the term. With a Signal Financial 5/5 ARM, your
rate is locked for 5 year intervals and can increase by no more than 1% at each adjustment.
Signal’s current 5/5 ARM rates are among the lowest in the market—and significantly less
than a traditional 30-year fixed mortgage. Since your ARM’s first adjustment cannot increase
more than 1%, and will be locked for another 5 years, your rate will likely remain below a
comparable 30-year fixed-rate mortgage for the first 10 years!

A lower rate means a lower monthly payment

Instead of paying more interest, you can pay down your loan balance more quickly, save for
a rainy day, or go on that vacation you’ve always dreamed of!

You get more buying power

The rates for our 5/5 ARM are lower than for traditional 30-year mortgages, which means you
can buy more house without a higher payment.

Personal service from start to finish

Signal Financial will walk you through the home buying and financing
process from start to finish. If you’ve got a question, we’re here to answer it!


Apply for a home loan today

visit our application page to get pre-approved for a home loan or get in touch with a loan officer.

The 5/5 Adjustable Rate Mortgage (ARM) adjusts only once every five (5) years.





First 60




Next 300





*As of October 31, 2018, Signal Financial FCU’s 5/5 ARM rate is 4.125% (4.197% APR). APR= Annual Percentage Rate. Rates are subject to change at any time, and may vary depending on variety of factors including but not limited to loan amount, loan purpose, occupancy, credit score, loan-to value ratio, and property type. Rates are only guaranteed once it is locked and confirmed with our secondary market without any changes made after the request. Rates locked in today for 60 days have an expiration date of (today + 60 days). Rates apply to loans up to $600,000.

**Payments shown do not include taxes or insurance. Actual payment obligation will be greater. Rates and offers are in effect  for a limited time and subject to change without notice. Example based on $300,000 loan assuming the rate will adjust to the cap of 1%. Other restrictions apply. Rate is variable and can increase by no more than 1 percentage point after the initial five year period and at each subsequent rate adjustment, with a lifetime maximum adjustment of 5%. Since the value of the index in the future is unknown, the First Adjustment Payments displayed are based on the current index plus margin (fully indexed rate) as of the date above.