Lock in a Low Rate for 3 Years
as low as 5.95% rate/6.848% APR
Adjust with Confidence!
Looking for a smart way to finance your home? a 3/1 Adjustable-Rate Mortgage (ARM) gives you the best of both worlds – a lower fixed interest rate for the first three years, followed by adjustable rates that align with market trends.
Why Choose a 3/1 ARM?
Lower Initial Interest Rate – Enjoy reduced payments for the first three years.
Ideal for Short-Term Homeowners – Great if you plan to move or refinance before the rate adjusts.
Flexible & Affordable – Save money upfront while keeping your options open.
How an ARM (Adjustable-Rate Morgage) Works:
- Your rate stays fixed for the first 3 years
- After that, the rate adjusts annually based on the market.
- Take advantage of lower payments now while planning for the future!
Our Simple Process
Consult with an FVSBank Lender – We’ll review your financial goals.
Apply Online or In-Person – Submit your application with essential documents.
Get Approved – We’ll guide you through the approval process and help you secure the best rate.
Close & Save – Finalize your new adjustable-rate mortgage and start enjoying the benefits!
Why Choose FVSBank?
🏡 Local Lending Experts – We understand the community and offer personalized solutions.
🤝 Flexible Loan Options – We’ll find a plan that fits your needs.
📉 Competitive Rates & Low Fees – Keep more money in your pocket.
💙 Trusted, Community-Focused Bank – We care about our customers, not just their loans.
*Rate effective as of 3/3/2025. Payment example: A 30-year loan with an initial interest rate of 5.950%, the payment for 36 months would be $5.96 per $1,000 . The maximum amount the interest rate can rise under this program is 6 percentage points to 11.950% and the monthly payment can rise to $9.88 per $1,000 in the 61st month.
Introductory rate for the 3/1 ARM reflects a reduction in effective rate until the first adjustment after the third year. After the introductory period, rates are based on an index and margin. The index is the weekly average yield on the United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board, plus a margin of 2.875% rounded to the nearest 1/8 of a percent. The current weekly average yield is 4.200% + margin of 2.875% rounded to the nearest 1/8th would be 7.125%. All stated payments include principal and interest only. 3/1 ARM rates available for purchases or refinances on single-family, owner-occupied homes. Annual Percentage Rates (APR) reflect 20% equity based on appraisal or sale price, whichever is lower. Rates are subject to change without notice. Rates and fees may vary based on credit score, loan-to-value, type of property and amount of loan. Additional terms and conditions apply.