5/5 ARM

RBFCU's 5/5 adjustable rate mortgage will get you into the home of your dreams sooner than you think. Interest rates and payments remain the same for the first five years of the loan and will adjust in five-year increments (5/5) thereafter.

Because payments and rates will change, please contact our Mortgage Lending Department so we may help you determine if an ARM loan will meet your mortgage needs.

Apply Online for a Home Equity Loan or HELOC.

Compare the differences between a Fixed-Rate and Adjustable Rate Mortgage.

Fixed-Rate 5/5 Adjustable Rate Mortgage
Features Features
  • Interest rate will stay the same for the life of the loan
  • Monthly payments (principal and interest) will not fluctuate
  • Jumbo loans available3
  • Primary residence only
  • Interest rate will remain the same for the first five years, then will adjust in five year increments thereafter1
  • Monthly payments (principal and interest) will remain the same for the first five years, then will adjust in five year increments
  • Jumbo loans available3
  • Primary residence only
Benefits Benefits
  • Predictable monthly payments
  • Good option if you plan to live in home longer than 10 years
  • Protection against the increasing interest rates
  • Minimum 3% down payment2
  • Competitive initial interest rate
  • Minimum 5% down payment2
  • Flexibility if you foresee future income growth
Think about it ... Think about it ...
  • Your rate is guaranteed for the duration of the loan
  • Your monthly payment may increase after the first five years

*Membership eligibility required. Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas.
1Your interest rate can change in 60 months, and every 60 months thereafter beginning with payment number 61.
2Loans requiring PMI or piggyback financing are subject to additional qualifications, are limited to your primary residence and may require a larger down payment.
3Jumbo loans may require larger down payments and additional qualifications.