ARM Payment Examples
| Loan Type | Interest Rates As Low As | Discount Points | APR As Low As | First Cap | Subsequent Cap | Lifetime Cap |
|---|---|---|---|---|---|---|
| 3/5 Conforming ARM | 5.250% | 0.250 | 6.125% | 2.00% | 2.00% | 5.00% |
|
Rates as of Jul 14, 2026 ET. |
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| ARM Loan assumption: Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 30% (up to 70% LTV for refinances). Taxes and insurance not included; therefore, the actual payment obligation will be greater. Payments on all ARMs are based on a 30-year amortization. |
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| Loan Type | Interest Rates As Low As | Discount Points | APR As Low As | First Cap | Subsequent Cap | Lifetime Cap |
|---|---|---|---|---|---|---|
| 3/5 Jumbo ARM | 5.250% | 0.250 | 6.125% | 2.00% | 2.00% | 5.00% |
|
Rates as of Jul 14, 2026 ET. |
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| ARM Loan assumption: Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 30% (up to 70% LTV for refinances). Taxes and insurance not included; therefore, the actual payment obligation will be greater. Payments on all ARMs are based on a 30-year amortization. |
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| Loan Type | Interest Rates As Low As | Discount Points | APR As Low As | First Cap | Subsequent Cap | Lifetime Cap |
|---|---|---|---|---|---|---|
| 5/5 Conforming ARM | 5.500% | 0.250 | 6.084% | 2.00% | 2.00% | 5.00% |
|
Rates as of Jul 14, 2026 ET. |
||||||
| ARM Loan assumption: Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 30% (up to 70% LTV for refinances). Taxes and insurance not included; therefore, the actual payment obligation will be greater. Payments on all ARMs are based on a 30-year amortization. |
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| Loan Type | Interest Rates As Low As | Discount Points | APR As Low As | First Cap | Subsequent Cap | Lifetime Cap |
|---|---|---|---|---|---|---|
| 5/5 Jumbo ARM | 5.500% | 0.250 | 6.084% | 2.00% | 2.00% | 5.00% |
|
Rates as of Jul 14, 2026 ET. |
||||||
| ARM Loan assumption: Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 30% (up to 70% LTV for refinances). Taxes and insurance not included; therefore, the actual payment obligation will be greater. Payments on all ARMs are based on a 30-year amortization. |
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Disclosures
Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjusted Payments displayed are based on the current Constant Maturity Treasury (CMT) index, plus the margin (fully indexed rate) as of the stated effective date rounded to nearest 1/8th of one percent. All loans subject to credit approval.
↵Rates displayed are "as low as" and effective 07/14/2026 for purchase and refinance loans and require a 1% loan origination fee, which may be waived for a 0.25% increase in the interest rate. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. All loans subject to credit approval.
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