5/5 Adjustable Rate Mortgage

If you’d like to keep your monthly payments as affordable as possible while getting protection from rising interest rates, our unique 5/5 Adjustable Rate Mortgage may be just what you’re looking for.


  • Low initial interest rate
  • Initial rate is fixed for 5 years, and adjusts once every 5 years
  • Maximum 2% rate increase per adjustment; 5% lifetime adjustment cap
  • Available for primary residences and second homes; maximum loan amount $2,000,000

For a sample loan amount of $540,000, with a down payment of 10.00%, the monthly principal + interest payment and Annual Percentage Rate (APR) are as follows:

*Principal and interest only; excludes taxes and insurance. Actual payment will be higher.

We’ve Got Great Mortgage Options

To learn more about the 5/5 ARM and all of our great mortgage options, call us at 703-684-1655 or have a Mortgage Loan Officer contact you.

Apply Now

NMLSR #195335

The above information is not a commitment to lend and is for information purposes only. All loans are subject to underwriting approval. Information displayed is accurate as of 10/20/2022 and is subject to change without notice. The Annual Percentage Rate (APR) shown reflects the interest and applicable closing costs.

ARM loans are variable rate loans; interest rate and payment may increase over the life of the loan. After the initial fixed-rate period, your interest rate can increase or decrease every five years, according to the market index plus a margin. Any change may significantly impact your monthly payment. For interest rates and adjustments, the interest rate will be based on the following index: the weekly average yield on U.S. Treasury securities adjusted to a constant maturity of five years, referred as the 5-year CMT or UST5YW, plus a margin of 2.25% rounded to the nearest 0.125%, not to exceed interim and lifetime adjustment caps. The Maximum Interest Rate and Maximum Payment displayed are based on the initial starting rate plus a margin of 5%, which is the maximum lifetime adjustment cap.  Floor rate is the same as the initial starting rate.

The minimum down payment requirement is 10%, which could be higher depending on loan amount and credit score.

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