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3/3 Adjustable Rate Mortgage (ARM)

Enjoy a fixed, low 4.875% interest rate for the first three years of your home loan with our 3/3 ARM. Plus, say goodbye to Private Mortgage Insurace (PMI) to get your monthly payments even lower. Apply online or talk to a Mortgage Loan Consultant today to get started!

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Adjustable Rate Mortgage with No PMI

By eliminating the often-hefty cost of Private Mortgage Insurance (PMI), our program helps you keep more of your hard-earned money. Combined with our competitive 3/3 ARM interest rate, you'll enjoy lower monthly payments and build equity faster.

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5.990% APR* | 3/3 ARM Loan

The Key to More Home & Less Fees!

If you're looking for your dream home and a low monthly payment, our 3/3 ARM might just be your key to homeownership or refinancing by giving you the power to buy “more home” with less fees!

Program Features

Your monthly payment stays the same for the first three years. After that, it can adjust only once every three years.
No Private Mortgage Insurance (PMI).
Max loan amount for one unit is $2 million.
Max Loan to Value is 95% for qualified borrowers.
Available for purchases or refinances in Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina, Tennessee and Virginia.
6 month rate lock available for Florida residences only⁴

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Benefits of 3/3 Adjustable Rate Mortgage

3/3 Right Time Adjustable Rate Mortgage FAQ

What properties types are eligible for a 3/3 ARM?

In which states are properties eligible for a 3/3 ARM?

Is PMI (Private Mortgage Insurance) required?

How can I get pre-approved?

What are the mortgage origination terms?

Mortgage loans are originated by Suncoast Credit Union and are subject to subject to credit union membership and approval, credit approval, verification, and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. ARM Products have an initial period with a fixed rate, then a variable rate that can increase or decrease annually for the rest of the term.

Can I use a gift as a down payment?

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