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There is no better time than now to save on your mortgage

Valley Strong 5/5 Arm

Bank on your future with a 5/5 Adjustable Rate Mortgage (ARM) loan. A 5/5 ARM is perfect for a new purchase on a primary or vacation residence:

• Minimum of $548,250
• Available for new purchase or refinance
• 5-year fixed initial rate that changes once every five years thereafter
• 5/5 ARM amortized over 30 years
• Financing available up to 90% loan-to-value (LTV) of the purchase price or appraised value, whichever is less

• Private Mortgage Insurance (PMI) on LTVs greater than 80% requirement
• Free 60-day rate lock
• No obligation pre-approval
• Upon approval, an appraisal fee will be collected
• Rates are tied to the five-year Treasury securities index


APPLY today!


5/5 ARM Conforming and Jumbo Loan Rates
Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
5/5 Jumbo Adjustable Margin 1.75%
Cap 2/5
30 Year 2.625% 0.00% 2.487%


*All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants. 5/5 Jumbo ARM loan payment example: A $750,000 loan for 30 years at 2.618% APR would have a monthly payment of $3213. This example does not include taxes and insurance. Actual payment obligation will be higher. Jumbo loans are loan amounts starting at $548,251. Minimum 10% down required. Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. 1Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. Must be a resident of Tulare County or San Joaquin County. Offer expires 3/31/22.

Referring a friend to open an account* means you’ll both have access to great loan rates, smart savings and checking accounts, a friendly staff, as well as $50 each.

Here’s how:
1. Tell your friend about banking with Valley Strong and fill out the referral form.
2. Your friend opens an account using their referral code.
3. You each get $50*.

Refer A Friend Today!