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Adjustable Rate Mortgages

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Adjustable Rate Mortgages

Adjustable Rate Mortgage Loans

Discover the flexibility of ARM loans.

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Looking for a home loan with lower initial rates and the flexibility to adapt to future market conditions?

Our ARM options might just be the perfect fit.

Benefits of a Goldenwest ARM loan:

  • Up to 90% financing
  • Second home, investment, jumbo
  • No private mortgage insurance
  • Amortized over 30 years
  • 1% origination fee
  • 2/1 buydown option

Call or Click Now - Experienced Mortgage Experts Standing By

Email us

mortgagecc@gwcu.org

Or use this contact form

Call us directly

801-786-8400

Send us a text

385-206-6780

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Which ARM loan is right for you?

With various adjustable-rate mortgage options, choosing the right one can help you balance flexibility and long-term savings. Each type of ARM offers unique benefits, depending on how long you plan to stay in your home and your financial goals.

5/1 ARM

  • 20% Down Payment for Purchases
  • Cash Out Refinances Up to 80% LTV

7/1 2nd Home or Investment Property

  • 10% Down Payment for Purchases
  • Cash Out Refinances up to 90% LTV

7/1 ARM Jumbo

  • 20% Down Payment for Purchases
  • Cash Out Refinances Up to 80% LTV

ARMS compared to other mortgage loans

Advantages

  • Low initial rate
  • Low initial monthly payment
  • Budget flexibility
  • Lower payment means more savings
  • Option to refinance or sell prior to the rate adjustment
  • No prepayment or early payoff penalty

Disadvantages

  • Uncertainty about future rate adjustments
  • Potential rate increase and corresponding increase to your payment, after the initial fixed rate period
  • Need a plan for higher payments after the rate adjustment, and how you will afford the increased payment amount

Ready to Get Started?

Connect with one of our Mortgage Experts to discuss your vision and explore your financing options.

Apply Now