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limited-time refinance special
3/1 adjustable rate mortgage
Take advantage of this limited-time special offer and refinance as low as 5.478% APR1 and 5.365% interest1 for the first 3 years.
Refinance your current home with our 3/1 adjustable rate mortgage
Act now, refi later. Get the keys to your home now. When rates drop, we’ll be right here to help you refinance.
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 5.478% APR1 and 5.365% interest1 for the first 3 years.
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
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.
Loan subject to credit and collateral approval as well as program terms and conditions.
[1] APR=Annual Percentage Rate. For well-qualified borrowers. Rate and terms subject to change at any time. Limited-time rate based on 3/1 adjustable-rate mortgages (ARM) as low as 5.365% interest rate. Payment example, initial payment on a 30-year $200,000 3-year Adjustable-Rate Loan at 5.365% and 70% loan-to-value (LTV) is $1,118.70. After the initial 3 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 8/25/2026 of 6.3% is in effect for the remaining 27 years and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rates are variable and subject to change after 3 years and your payment may increase or decrease as rates change. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Free or Ultra Checking account each month. Certain restrictions apply. Rate as of 9/01/2026.