3/1 ARM Promotional Rate – 5.25% APR/Rate
Looking for a lower mortgage rate to help make homeownership or refinancing more affordable? Orr 3/1 Adjustable-Rate Mortgage (ARM) offers a 5.25% promotional rate, giving you predictable payments for the first three years – and flexibility beyond.
How a 3/1 ARM Works
A 3/1 ARM is designed for borrowers who want a lower initial rate and expect a future change – such as moving, refinancing, or increased income.
- First 3 years: Enjoy a fixed interest rate of 5.25% providing stability and lower monthly payments.
- After year 3: The rate adjusts once per year based on market conditions, subject to built-in caps.
This structure can be mean significant savings upfront, especially if you don’t plan to keep the loan long-term.
Why Choose Our 3/1 ARM?
✔ Stable payments for the first 36 months
✔ Great for short‑ to mid‑term homeowners
Is a 3/1 ARM Right for You?
A 3/1 ARM may be a smart choice if you:
- Plan to sell or refinance within 3-5 years
- Expect your income to grow
- Way to maximize affordability today
- Are purchasing a starter home or second home
Our lending team is happy to walk through scenarios and help you decide what works best for your goals
Get Started Today
Take advantage of this limited time 5.25% promotional rate and explore whether a 3/1 ARM fits your financial plan.
Adjustable-Rate Mortgage Disclaimers: *Rate effective as of 4/1/2026. Payment example: A 30-year loan with an initial interest rate of 5.250%, the payment for 36 months would be $5.52 per $1,000 . The maximum amount the interest rate can rise under this program is 6 percentage points to 11.250% and the monthly payment can rise to $9.71 per $1,000 in the 61st month.
Introductory rate for the 3/1 ARM reflects a reduction in effective rate until the first adjustment after the third year. After the introductory period, rates are based on an index and margin. The index is the weekly average yield on the United States Treasury Securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board, plus a margin of 2.875% rounded to the nearest 1/8 of a percent. The current weekly average yield is 4.200% + margin of 2.875% rounded to the nearest 1/8th would be 7.125%. All stated payments include principal and interest only. 3/1 ARM rates available for purchases or refinances on single-family, owner-occupied homes. Annual Percentage Rates (APR) reflect 20% equity based on appraisal or sale price, whichever is lower. Rates are subject to change without notice. Rates and fees may vary based on credit score, loan-to-value, type of property and amount of loan. Additional terms and conditions apply.