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Adjustable-Rate Mortgage

Giving you the flexibility to get more for your money.

Get the flexibility and savings you need

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A First Citizens Adjustable-Rate Mortgage (ARM) could be a great fit for your needs, depending on how long you plan to be in your new home or if you’re looking for the lowest possible payment.

Unlike with a fixed-rate mortgage, the interest rate on an ARM changes at predetermined intervals over the life of your loan. The advantage is that you start out with lower rates and lower initial monthly payments - giving you more cash on hand and the potential to borrow a larger amount.

Plus, you're protected from drastic fluctuations in the market by interest rate ceilings and specified adjustment dates over the life of your loan.

Benefits of our Adjustable-Rate Mortgage:

Get the flexibility and savings you need

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