Start Your Mortgage with a Lower Rate
For a limited time, buy or refinance with our 5/1 Adjustable-Rate Mortgage, starting as low as 5.25% Interest Rate / 6.379% APR1 for the first five years.
Why Consider a Sun East Adjustable-Rate Mortgage (ARM)?
An Adjustable-Rate Mortgage (ARM) starts with a fixed interest rate for a set period of time, then adjusts annually based on market conditions over the course of the 30-year term.
Flexible options that fit your plans
Choose from 5/1 and 7/1 ARMs based on how long you want your initial rate to remain fixed.
Built-in rate caps for added protection
Limits in place help control how much your rate can change over time.
No future refinance penalties
Take advantage of lower rates or different terms without added costs for making a change
Local guidance you can trust
Work one-on-one with a mortgage team here to help you make informed decisions.
This application uses a soft pull for mortgage pre-qualification and will not impact your credit score
Current ARM Rates
5/1 Adjustable-Rate Mortgage (ARM)
As low as
5.250% Rate
6.303% APR1
7/1 Adjustable-Rate Mortgage (ARM)
as low as
6.000% Rate
6.493% APR2
With a Sun East ARM:
Your rate is fixed for the first 5 or 7 years. After that, it adjusts once per year, for the remainder of the 30-year term. Rate caps help limit how much your rate can change over time. This structure can offer lower initial payments while still providing safeguards to help you plan ahead.
Is an ARM Right for You?
An ARM can be a smart choice depending on your financial goals and how long you plan to stay in your home. It may be a great fit if you:
- Want a lower initial monthly payment
- Plan to move or refinance within 5–7 years
- Expect your income to grow over time
A fixed-rate mortgage may be a better fit if you prefer long-term payment stability and plan to stay in your home for many years.
Not sure which option is right for you?
Our mortgage team can help you compare your options and find the best fit.
What Could I Save By Refinancing?
Frequently Asked Questions About ARMs
Disclaimer
1 Initial interest rate of 5.250% with an Annual Percentage Rate (APR) of 6.379% for the first five years of a 5/1 Adjustable Rate Mortgage (ARM) is available only to applicants who complete an application at https://suneastfcu.mymortgageapps.org/ between July 6, 2026, and September 7, 2026. After the initial fixed-rate period, the interest rate may increase or decrease based on the terms of the loan, applicable index, and any rate adjustment limitations. Monthly principal and interest payments may increase or decrease as a result. This promotion cannot be combined with Sun East’s Community Heroes Mortgage Program. Promotion is available to first-time homebuyers and self-employed individuals. When all buyers are first-time homebuyers, at least one occupying homeowner must complete homeowner education through a Housing and Urban Development (HUD)-approved agency. Grants are not permitted. Escrow is required for property taxes and homeowners insurance. Applicants must be U.S. citizens or permanent resident aliens, meet membership eligibility requirements, and provide a full Federal National Mortgage Association (FNMA) 1004 appraisal.
2 APR = Annual Percentage Rate. Because this is an Adjustable-Rate Mortgage, the APR may increase after the initial fixed-rate period.
Sun East Federal Credit Union, a member-owner of First Heritage Financial, LLC, provides its members with home financing options in accordance with the Fair Housing Act, the Equal Credit Opportunity Act, and required state and federal guidelines. Sun East Federal Credit Union, NMLS # 433893, and First Heritage Financial, LLC, NMLS # 506371, are equal opportunity lender. All offers are subject to end or change without notice, other terms and conditions may apply. Call 1-877-5-SUNEAST for details.