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limited-time refinance special

3/1 adjustable rate mortgage

refinance as low as 5.490% interest rate1 and 5.581% APR1

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Refinance your current home with our 3/1 adjustable rate mortgage

Love your home, but not your interest rate? Refinancing with our 3/1 adjustable rate mortgage (ARM) could help you lower your interest rate and your monthly payment.

For a limited time, we’re offering a special rate when you refinance to a 3/1 adjustable rate mortgage starting as low as 5.490% interest rate1 and 5.581% APR1.

Buy a home with our 3/1 adjustable rate mortgage

Found the perfect home, but not the perfect rate? Let’s help you with that. For a limited time only, our 3/1 adjustable rate mortgage (ARM) starts as low as 5.99% interest rate2 and 6.03% APR2.

A preapproval helps you:

  • Set a budget before you start shopping
  • Act fast and make a competitive offer
  • Stand out above the crowd

Already applied? Log in to:

  • Check your loan status
  • Complete the next steps on your loan
  • Questions? Reach out to your Mortgage Advisor

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Application Status


What is an adjustable rate mortgage?

An ARM has an initial interest rate that’s fixed for a specific period of time, followed by an adjustable interest rate that increases or decreases over the remaining life of the loan, based on certain market conditions.

A 3/1 ARM has a fixed interest rate for the first 3 years of the loan. Afterwards, the rate is adjusted every year.

Benefits of a 3/1 ARM

  • You could have an initial lower monthly payment than a fixed-rate mortgage usually offers.
  • It’s a good choice if you plan to refinance or move before the end of the introductory fixed-rate period.
  • Ideal if you think interest rates may go down in the future.

[1] APR=Annual Percentage Rate. Limited-time rate as low as 5.490% available only on 3/1 adjustable-rate mortgages (ARM) closed after 09/23/2024. Rate and terms subject to change at any time. Loan subject to credit and collateral approval as well as program terms and conditions. Payment example, $250,000 financed for 3-year term ARM at 5.490% equals a monthly payment of $1,417.90 for 3 years. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. 3-year fixed-to-adjustable rate: Initial 5.490% rate is fixed for 3 years, then becomes variable based on an index and margin. Rate may be increased after consummation. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. This offer is exclusive to refinances only. New purchases will not be eligible for the limited-time rate as low as 5.490%. Refinance loan-level price adjustments (LLPA) may be added to the advertised rate based on your financial situation, like your credit score or the amount of your home’s value you're borrowing.

[2]. APR=Annual Percentage Rate. Limited-time rate as low as 5.99% available on 3/1 adjustable rate mortgages (ARM) closed after May 28, 2024. Rate and terms subject to change at any time. Loan subject to credit and collateral approval as well as program terms and conditions. Payment example, $250,000 financed for 3 year term ARM at 5.99% equals a monthly payment of $1,497.27 for 3 years. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. 3-year fixed-to-adjustable rate: Initial 5.99% rate is fixed for 3 years, then becomes variable based on an index and margin. Rate may be increased after consummation. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month.

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