Flexible Financing with a Lower Starting Rate
Looking for a way to lower your initial mortgage payments while keeping future options open? a 3/1 Adjustable-Rate Morgage (ARM) from FVSBank may be the right choice for you! This loan offers a low, fixed interest rate for the first three years, followed by an annual adjustment based on market conditions.
Why Choose a 3/1 ARM?
✅ Lower Initial Interest Rate – Enjoy reduced monthly payments for the first three years.
✅ Great for Short-Term Homeownership – Ideal if you plan to move or refinance before the rate adjusts.
✅ Potential Savings – Take advantage of a lower rate now and invest your savings elsewhere.
✅ Loan Flexibility – A good option if you expect future income growth or market changes.
How a 3/1 ARM Works?
Your interest rate remains fixed for the first 3 years.
After that, the rate adjusts annually.
Rate adjustments are subject to caps, limiting how much the rate can increase in a given period.
What Sets FVSBank Apart?
At FVSBank, we belive in making home financing personal. Our 3/1 Adjustable-Rate Mortgage (ARM) comes with competitive rates, flexible terms, and the trusted guidance of a local community bank that puts your needs first.
✅ Competitive Rates & Local Expertise
Our 3/1 ARM offers lower initial rates, and our experienced mortgage lenders take the time to understand your financial goals, helping you choose the best loan for your situation.
✅ Personalized Service
We provide one-on-one support to guide you through the mortgage process—because your home loan should be as personal as your home.
✅ Community Focused
As a community bank, we reinvest in the areas we serve, helping our customers and neighborhoods grow together.
✅ Smooth & Simple Process
We make applying for and closing your mortgage fast, easy, and stress-free, whether you’re a first-time buyer or looking to refinance.
✅ Local Decisions, Faster Approvals
All decisions are made locally, meaning faster turnaround times and flexible solutions tailored to your needs.
Get Started Today
Find out if a 3/1 ARM is the right fit for your financing goals. Our FVSBank Mortgage team is here to help!
📞 Call us: 800-242-7880
📧 Email us
🏡 Apply Online
Call Us: 800-242-7880
Email Us
