Conventional Adjustable-Rate Mortgage
An adjustable-rate mortgage (ARM) is a mortgage loan with a below-market fixed rate for a certain period. After the fixed period expires, the rate can adjust within a capped margin. An ARM helps you qualify for more home thanks to lower payments during first term of the loan. ARMs are ideal if you plan on being in your home for a short period of time or are going to pay off your mortgage within the first term of the loan.
Purchasing or refinancing a home is a big deal. Use our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer. No matter where you are in the process, we’re here to help you every step of the way.
Term Options
5yr/6mo, 7yr/6mo, 10yr/6mo
Down Payment
As low as 5% of purchase price
20% of purchase price to avoid PMI
Eligible Properties
Purchase, Refinance, Primary Residence, Second/Vacation Home, Investment/Rental Property, Manufactured Home
ARM First-Time Homebuyer 100% Financed
This loan is designed for lower household income first-time homebuyers with little down payment. Qualifying first-time buyers can secure 100% financing with no mortgage insurance. This first-time homebuyer ARM loan has a below-market fixed rate for a certain period. After the fixed period expires, the rate can adjust within a capped margin. This loan requires first-time homebuyer education. If you are buying a home in Idaho, you can use funds from your Idaho First-Time Homebuyer Savings Account.
See More First-Time Homebuyer Options
We know buying a home for the first time can be a little intimidating. We’re here to guide you every step of the way. Start the application process through our online Mortgage Portal or contact a knowledgeable Mortgage Loan Officer.
Term Options
5yr/5yr
Down Payment
As little as $1,000
Eligible Properties
Purchase, Primary Residence
Purchase or Refinance Your Home With Confidence
We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We’re available to help during extended hours and on Saturdays.
Fast, Local Decisions
- Local underwriting
- Fast approvals
- Fast closing, usually within 30 days
- Local servicing on most loans
Save Money
- Low, affordable interest rates
- No initial loan application fees
- Low mortgage insurance premiums
- No origination fee loan options
- Extended rate lock options available from 90 to 360 days
Personalized Rate Quote
Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.
Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.