{"id":981,"date":"2022-09-12T14:43:25","date_gmt":"2022-09-12T20:43:25","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=981"},"modified":"2026-01-29T15:52:06","modified_gmt":"2026-01-29T22:52:06","slug":"adjustable-rate-mortgage","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/","title":{"rendered":"Adjustable-Rate Mortgages"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-conventional-adjustable-rate-mortgage\">Conventional Adjustable-Rate Mortgage<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">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.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">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\u2019re here to help you every step of the way.<\/p>\n\n\n\n<div id=\"block_ada785d7f9fc79dfcd268b0cf1ca8f74\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_d49d5367e67e43afbca6966e7811be9c\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MARM')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_13cb5f34c3ff35152e35728bf8b35bf9\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-green-color has-text-color has-link-color has-sm-font-size wp-elements-c25a6232ab5d52724977c17a1f71672a\"><a onclick=\"oao.open('%\/blend','MTG-MARM','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-term-options\" style=\"font-style:normal;font-weight:400\">Term Options<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>5yr\/6mo, 7yr\/6mo, 10yr\/6mo<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-down-payment\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>As low as 5% of purchase price<br>20% of purchase price to avoid PMI<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-eligible-properties\" style=\"font-style:normal;font-weight:400\">Eligible Properties<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Purchase, Refinance, Primary&nbsp;Residence, Second\/Vacation&nbsp;Home, Investment\/Rental Property, Manufactured Home<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-arm-first-time-homebuyer-100-financed\">ARM First-Time Homebuyer 100% Financed<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">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 <a href=\"\/accounts\/savings\/idaho-first-time-homebuyer-savings\/\">Idaho First-Time Homebuyer Savings Account<\/a>.<\/p>\n\n\n\n<p class=\"has-lg-font-size\"><a href=\"\/loans\/home-loans\/first-time-homebuyer\/\">See More First-Time Homebuyer Options<\/a><\/p>\n\n\n\n<p class=\"has-lg-font-size\">We know buying a home for the first time can be a little intimidating. We\u2019re 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.<\/p>\n\n\n\n<div id=\"block_ada785d7f9fc79dfcd268b0cf1ca8f74\" class=\"js-button-group is-horizontal justify-left \">\n  \n\n<button id=\"block_d49d5367e67e43afbca6966e7811be9c\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MARM')>Mortgage Portal<\/button>\n\n\n\n\n<button id=\"block_13cb5f34c3ff35152e35728bf8b35bf9\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n\n\n\n<p class=\"has-black-color has-text-color has-link-color has-sm-font-size wp-elements-4b43feb6aca50b59f35fd78bbb123738\"><a onclick=\"oao.open('%\/blend','MTG-MARM','continue')\"><u>Already started an application? Continue here.<\/u><\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-term-options-0\" style=\"font-style:normal;font-weight:400\">Term Options<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>5yr\/5yr<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-down-payment-0\" style=\"font-style:normal;font-weight:400\">Down Payment<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>As little as $1,000<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-green-color has-text-color has-md-font-size\" id=\"h-eligible-properties-0\" style=\"font-style:normal;font-weight:400\">Eligible Properties<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>Purchase, Primary&nbsp;Residence<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-purchase-or-refinance-your-home-with-confidence\">Purchase or Refinance Your Home With Confidence<\/h2>\n\n\n\n<p class=\"has-lg-font-size\">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\u2019re available to help during extended hours and on Saturdays.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-fast-local-decisions\">Fast, Local Decisions<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local underwriting<\/li>\n\n\n\n<li>Fast approvals<\/li>\n\n\n\n<li>Fast closing, usually within 30 days<\/li>\n\n\n\n<li>Local servicing on most loans<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-save-money\">Save Money<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low, affordable interest rates<\/li>\n\n\n\n<li>No initial loan application fees<\/li>\n\n\n\n<li>Low mortgage insurance premiums<\/li>\n\n\n\n<li>No origination fee loan options<\/li>\n\n\n\n<li>Extended rate lock options available from 90 to 360 days<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"486\" height=\"371\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/ARM_LoanBenefits.webp\" alt=\"Flowers on kitchen table near sink\" class=\"wp-image-1734\" style=\"width:412px;height:315px\"\/><\/figure>\n\n\n\n<div id=\"block_81291ea8633bdab6248b451ca2c9f83c\" class=\"js-button-group is-horizontal justify-center \">\n  \n\n<button id=\"block_342215ab91bac5d053ce2f82ae3b3db4\" class=\"js-button \" onclick=oao.open('%\/blend','MTG-MARM')>Apply Now<\/button>\n\n\n\n\n<button id=\"block_13cb5f34c3ff35152e35728bf8b35bf9\" class=\"js-button is-style-link\" onclick=oao.open('\/loans\/home-loans\/mortgage-loan-officers\/')>Contact Loan Officer<\/button>\n\n\n\n<\/div>\n\n\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\" id=\"rates\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-black-color has-text-color\" id=\"h-personalized-rate-quote\">Personalized Rate Quote<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">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.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quickquote-consumer.optimalblue.com\/?mobile=true&amp;clientId=3833383237&amp;userId=363937373638&amp;formId=33333431&amp;embedded=false\" target=\"_blank\" rel=\"noreferrer noopener\"> Get My Personalized Rate Quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color has-link-color wp-elements-0dd316129af32b858dd8691491ed5375\">Mortgage Calculator<\/h2>\n\n\n\n<p class=\"has-text-align-left\">How much will your monthly mortgage payment be? Use this calculator to figure out your monthly payment, including your mortgage\u2019s principal and interest payments as well as insurance and taxes.<\/p>\n\n\n\n<div class='chimney_calc' data-guid='88a34a2b-0e33-4223-a196-2b1924117d96'><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Conventional Adjustable-Rate Mortgage An adjustable-rate mortgage (ARM) is a mortgage loan with a below-market fixed rate for a certain period. [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1733,"parent":665,"menu_order":20,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-981","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Adjustable-Rate Mortgages - ICCU<\/title>\n<meta name=\"description\" content=\"With an ICCU Adjustable-Rate Mortgage, take advantage of a low initial fixed rate. After the initial term, interest rates may change periodically. This home loan is perfect if you plan to move or pay off your loan in a short amount of time.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Adjustable-Rate Mortgages\" \/>\n<meta property=\"og:description\" content=\"With an ICCU Adjustable-Rate Mortgage, take advantage of a low initial fixed rate. After the initial term, interest rates may change periodically. This home loan is perfect if you plan to move or pay off your loan in a short amount of time.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"ICCU\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IdahoCentralCreditUnion\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-29T22:52:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/ARM_Hero.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"390\" \/>\n\t<meta property=\"og:image:height\" content=\"293\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Idaho_Central\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/\",\"url\":\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/\",\"name\":\"Adjustable-Rate Mortgages - ICCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.iccu.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/ARM_Hero.webp\",\"datePublished\":\"2022-09-12T20:43:25+00:00\",\"dateModified\":\"2026-01-29T22:52:06+00:00\",\"description\":\"With an ICCU Adjustable-Rate Mortgage, take advantage of a low initial fixed rate. 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