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


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.


The strategic merger between Financial Center and Valley Strong will provide the opportunity to achieve positive Member impact and value such as, more products and services, enhanced electronic banking products, more branch locations, responsive to evolving financial needs. This partnership will allow the credit union to better anticipate and meet the financial needs of Members in a competitive financial services industry. For more information visit,

Have Questions?

Do you have questions about the home buying process? Would you like to speak with a Home Loan Center Representative to review your options? Contact us today to get started! 

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Mortgage Assistance

If you’re struggling to pay your mortgage, we’re here to help. We have a variety of programs to help you get back on track. Contact us today at (661) 833-7505.

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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!