Discover the Benefits of an Adjustable-Rate Mortgage
Whether you’re buying or refinancing, our adjustable-rate mortgage options offer flexibility designed to support your homeownership goals.
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
5.875% Rate
6.841% APR1
7/1 Adjustable-Rate Mortgage (ARM)
as low as
6.125% Rate
6.793% APR1
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.
Have Questions?
Contact our Mortgage Specialist Today
Martina Sok
Licensed Mortgage Loan Originator
NMLS#2857401
484-441-6524 | msok@suneast.org
Martina has over 20 years of banking and lending experience and has spent much of her career helping people navigate the mortgage process. As a local mortgage professional, she understands that buying or refinancing a home can come with a lot of questions. Martina enjoys taking the time to educate members, explain their financing options, and help make the mortgage process easier to understand. Whether you’re just starting to explore homeownership or have questions along the way, Martina is here to help you feel informed and confident in your next step.
What Could I Save By Refinancing?
Frequently Asked Questions About ARMs
Disclaimer
1 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.