Adjustable Rate Mortgages Empower your financial journey with
What is a Valley Strong
ADJUSTABLE-RATE MORTGAGE (ARM)?
An adjustable-rate mortgage (ARM) offers a lower initial interest rate, which adjusts periodically based on market conditions. ARMs are ideal for homebuyers expecting increased income or those planning to move or refinance before the rate changes.
5/5 ADJUSTABLE-RATE MORTGAGE: THE PERFECT BALANCE
Our 5/5 ARM provides a stable rate for the first 5 years, with adjustments every 5 years thereafter. This mortgage is great for buyers who want lower payments initially and expect rate flexibility as they settle into homeownership.
- Available for purchase or refinance
- Loan amounts up to $3,000,000
- 5-year fixed initial rate, adjusts every 5 years
- Amortized over 30 years
- Financing available up to 90% Loan-to-Value (LTV)
- Private Mortgage Insurance (PMI) required for LTVs greater than 80%
- No obligation pre-approval
- Appraisal fee collected upon approval
- Rates are tied to the 5-year treasury index
7/1 ADJUSTABLE-RATE MORTGAGE: LONG-TERM FLEXIBILITY
Looking for a larger home or a vacation retreat? The 7/1 ARM gives you the flexibility of fixed rates for the first seven years before adjustments begin, making it ideal for those who expect income growth and want manageable initial payments.
- Available for purchase or refinance
- 7-year fixed initial rate, adjusts annually thereafter
- Amortized over 30 years
- Financing available up to 95% LTV on conforming limits up to $726,000
- For Jumbo loans (above $726,000), financing up to 90% LTV
- Single-family primary residence and vacation homes accepted
- No obligation pre-approval
- Appraisal fee collected upon approval
- Rates are tied to the 7-year treasury index
NO-OBLIGATION Pre-Qualification
Secure lower interest rates with your savings for cost-effective borrowing.
DOWN PAYMENTS AS LOW AS 5%
Start your homeownership journey with a down payment as low as 5% on adjustable rate loans, making it easier to move into your dream home.
LOWER INITIAL PAYMENTS
Enjoy lower monthly payments during the fixed-rate period, giving you more financial flexibility in the early years of your loan.
VACATION HOMES ELIGIBLE
Our ARM loans cover both primary residences and vacation homes, offering flexible financing for your lifestyle.
Valley Strong made the home-buying process so much easier. We chose the 7/1 ARM, and the lower starting rate gave us the flexibility we needed. They explained everything clearly and were great to work with. We’re really happy with our new home!
Megan and Josh P.
Why Valley Strong should be
YOUR MORTGAGE HOME TEAM
4.7 out of 5
Based on 2,750+ Google Customer Reviews
$1.1B+
Servicing mortgage loans
$110M+
in funded mortgages
7.9K+
homebuyers served
Best Banks and Credit Unions in California 2024
Best-In-State Credit Unions California 2025
Best Banks & Credit Unions in California 2023
Best Financial Institution 31 years in a row
Every Home Buyer is unique
We CREATE unique solutions
Everyone has a unique situation when buying a home. See how our expert home advisors can help you find the home buying solution that is the best fit for you.
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Stress-Free Renovations
Peggy & Don L.
Valley Strong Members and happy home owners since 2023
Denise Sullivan
Valley Strong Mortgage Advisor"My husband and I wanted to write a short thank you to tell you how professional and helpful Denise Sullivan was when we applied for our new loan, she was so helpful and easy to contact, we were impressed. She explained everything clearly all through the process, we knew every state of our loan and there was never a moment of stress. She helped us from start to finish and we are really impressed with the way we were treated. We will recommend Valley strong to others. "
Down Payment: 10% - $25,000 • Mortgage Costs: $2,950/mth • Additional Costs: $675/mth
Total Monthly Payments: $3,625
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Constructing Partnerships
Ronnie T.
Valley Strong Members since 2020
Julia Glaser
Valley Strong Construction Loan Specialist"One of the big reasons I partnered with Valley strong was due to their commitment to customer service. I wanted the process to be simple and straight forward.
So when I applied for a construction with Julia, she really made it easy and understandable for me. She communicated via phone or email on important subjects and gave quick updates that I really appreciate since I have a busy work schedule."
Valley Strong Construction loan
Down Payment: 10% - $25,000 • Mortgage Costs: $2,750/month • Additional Costs: $724/mth
Total Monthly Payments: $3,474/month
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Personalized Experience
Mingwie L.
Valley Strong Members since 2021
Alejandra Larios
Valley Strong Mortgage Production Manager"I recently obtained a mortgage through Valley Strong Credit Union, and my experience was exceptional. The loan officer, Alejandra, and the mortgage team were incredibly friendly, professional and responsive, making sure I fully understood the loan terms. They went above and beyond to help me choose a mortgage that perfectly met my needs. I highly recommend the mortgage team of Valley Strong Credit Union for anyone looking for a smooth and personalized mortgage experience."
Valley Strong Fixed Rate mortgage
Down Payment: 10% - $27,500 • Mortgage Costs: $2,600/month • Additional Costs: $690/mth
Total Monthly Payments: $3,290/month
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Transparent Purchasing
Patrick B.
Valley Strong Members since 2015
Katie Shannon
Valley Strong Mortgage Advisor"We recently had the pleasure of working with Valley Strong and couldn’t be more thrilled with the experience. From the very beginning, they were incredibly knowledgeable, transparent, and supportive. They took the time to explain every step of the mortgage process, making it easy to understand and navigate. Sarah and I are self-employed so we understand how difficult the loan process can be. We highly recommend Valley Strong to anyone looking for a trustworthy and reliable mortgage professional."
Valley Strong Adjustable Rate mortgage
Down Payment: 10% - $27,500 • Mortgage Costs: $2,850/month • Additional Costs: $710/mth
Total Monthly Payments: $3,560/month
Find Your Perfect Fit with
VALLEY STRONG ARMs
Your mortgage should match your journey. Whether you're looking for stability in the first 5 or 7 years, or seeking a larger home with more financing options, our 5/5 and 7/1 ARMs have you covered.
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5/5 ADJUSTABLE RATE MORTGAGE (ARM)
Lock in your rate for the first 5 years, with adjustments every 5 years afterward. A great option for homeowners looking for lower initial payments and the flexibility to refinance before adjustments
7/1 ADJUSTABLE RATE MORTGAGE (ARM)
Enjoy a fixed interest rate for the first 7 years, with annual adjustments thereafter. Perfect for those looking for stability upfront and flexibility later.
JUMBO 5/5 ARM
For higher-priced homes, the Jumbo 5/5 ARM offers a fixed rate for the first 5 years, with adjustments every 5 years. Ideal for larger loan amounts with the potential for lower initial payments.
JUMBO 7/1 ARM
Secure a fixed rate for the first 7 years on a jumbo loan, with annual adjustments afterward. Perfect for those seeking stability for larger home purchases and flexibility down the road.
*APR= Annual Percentage Rate. Rates are based upon creditworthiness; your rate may differ depending on Combined Loan-to-Value (CLTV), and other underwriting factors. Information displayed above on rates, loan products and fees are the most current available and is subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Rates effective per date listed at top of table.
The displayed Annual Percentage Rates (APR) for the loan products shown in the table above reflect the interest rate and the approximate cost of prepaid finance charges, including points, but does not include other costs or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.
All applications are subject to credit approval; not all applicants will be approved. Programs, rates, and terms and conditions are subject to change without notice. Full income and asset documentation are required. Loan secured by a lien against your property. Interest rates, points, and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose.
Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.
Homeowner's property insurance is required. Flood insurance may be required. Loan together with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges.
For Payment Examples, click on individual APRs in the table above.
5/5 ARM is the Secure Overnight Financing with a change in the initial margin and adjustment period occurring once every 5 years thereafter until the loan is paid off.
Leticia Esqueda
Valley Strong Mortgage Advisor
Whether you're buying your first home, building your dream house, or refinancing to save money, having a knowledgeable mortgage loan consultant is crucial. I can walk you through each step, making sure you get the best rates and terms available, tailored to your needs
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Tulare/Kings
Leticia.Esqueda@valleystrong
(559) 226-9787 | NMLS# 411105
Julia Glaser
Valley Strong Construction Loan Specialist
No matter if you're investing in a home, planning a new build, or refinancing, having a skilled mortgage consultant makes all the difference. I'll provide guidance every step of the way and help you find the perfect loan with the most favorable rates and terms.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
Kern County
Julia.Glaser@valleystrong
(661) 833-7078 | NMLS #747795
Alejandra Larios
Valley Strong Mortgage Production Manager
If you’re looking to buy, build, or refinance, partnering with an experienced mortgage consultant is essential. I’m here to ensure you get the best rates and loan terms that fit your financial situation, guiding you from application to closing.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
Kern County
Alejandra.Larios@valleystrong
(661) 833-7049 | NMLS #1495935
Efrain Martin
Valley Strong Mortgage Advisor
From purchasing a new home to refinancing an existing mortgage or funding a construction project, it's essential to have an experienced loan consultant by your side. I’ll help you navigate the loan process smoothly and ensure you’re getting the best possible deal.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Tulare/Kings
efrain.martin@valleystrong.com (559) 226-9751 | NMLS #982928
Katie Shannon
Valley Strong Mortgage Advisor
Whether you're buying a home, building, or looking to refinance, working with a seasoned mortgage consultant is key. I am here to help you navigate the loan process efficiently, making sure you have access to the most competitive rates and programs available.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Kern
katie.shannon@valleystrong.com (661) 833-7876 | NMLS #524455
Denise Sullivan
Valley Strong Mortgage Advisor
Purchasing, building, or refinancing? Whatever your goal, it’s vital to have a trusted mortgage consultant guiding you. I'll make sure you have the best loan options and interest rates, so the process is smooth and stress-free for you.
How I Can Help:
Loan programs | Rates | The loan process | Application Process
Regions of Focus:
San Joaquin | Solano | Kern
denise.sullivan@valleystrong.com (661) 833-7751 | NMLS #1745401
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Mortgages to Suit All Dreams
find your home loan
Discover a spectrum of choices from stable 30-Year Fixed loans to flexible Adjustable Rate Mortgages, and even comprehensive solutions for construction and investment properties. Your perfect plan awaits.
FIXED RATE MORTGAGES
Lock in your rate long-term for predictable payments, giving you peace of mind throughout the life of your loan.
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ADJUSTABLE RATE MORTGAGES
Opt for a shorter term with higher payments, which allows you to build equity quickly and save on total interest.
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Ideal for pricier homes, this mortgage offers stable payments over 30 years for loan amounts that exceed standard limits.
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