HOME SWEET LOANS!
Rates as low as 5.66% APR!
Ready to thrive as a homeowner? An adjustable-rate mortgage (ARM) from Verve can help you do just that. Offering lower upfront costs, lower monthly payments, and the chance for even better long-term rates. Because saving money makes home feel even sweeter.
ARM Options (Snapshot)
Our adjustable rate mortgages offer flexible terms and great rates that fit your budget now.
| Initial Fixed-Rate Period | Rate | APR | Monthly Payment |
|---|---|---|---|
| 3 years | 5.50% | 5.66% | $1,136 |
| 5 years | 5.63% | 5.79% | $1,151 |
| 7 years | 5.88% | 6.04% | $1,183 |
| 10 years | 5.99% | 6.16% | $1,198 |
Talk with a Verve team member today to see how much you could save.
Did you know?
You can secure a home loan from Verve with just 5% down.
ARM Options (Details)
3/1 ARM – 30 Year Amortization
The introductory rate is fixed/locked in for three years. After three years, the rate may adjust annually. To help protect homeowners from major increases in the interest rate, our ARM programs have caps that prevent the interest rate from rising or falling by more than 2% per annual adjustment or by more than 6% over the life of the loan.
30 Year: The total length of the loan.
Amortization: The original principal + accrued interest that a homeowner pays back over the life of the mortgage loan.
Advantages
A 3-year ARM will offer a lower interest rate than most fixed rate loans and give you some security in knowing that the rate is fixed for three years. A lower interest rate means a lower monthly mortgage payment, adding flexibility to your monthly budget.
Best Choice If
The 3-year ARM program is an excellent way to take advantage of a lower initial interest rate when compared to most fixed–rate programs. Additionally, it’s useful if you plan to sell or refinance within the next 1 to 3 years.
What to Know
With our 3-year ARM program, you’ll enjoy a low, fixed interest rate for the first three years. After that period, your rate and payment may adjust based on market conditions. That means your monthly payment could go up or down over time, giving you the flexibility to benefit if rates stay steady or decrease. ARMs are a great fit if you’re planning to move, refinance, or pay down your loan before the adjustment period begins — and our team is here to help you decide if this option matches your goals.
5/1 ARM – 30 Year Amortization
The introductory rate is fixed/locked in for five years. After five years, the rate may adjust annually. To help protect homeowners from major increases in the interest rate, our ARM programs have caps that prevent the interest rate from rising or falling by more than 2% per annual adjustment or by more than 6% over the life of the loan.
30 Year: The total length of the loan.
Amortization: The original principal + accrued interest that a homeowner pays back over the life of the mortgage loan.
Advantages
A 5-year ARM will offer a lower interest rate than most fixed rate loans and give you some security in knowing that the rate is fixed for five years. A lower interest rate means a lower monthly mortgage payment, adding flexibility to your monthly budget.
Best Choice If
The 5-year ARM program is an excellent way to take advantage of a lower initial interest rate when compared to most fixed–rate programs. Additionally, it’s useful if you plan to sell or refinance within the next 3 to 5 years.
What to Know
With our 5-year ARM program, you’ll enjoy a low, fixed interest rate for the first three years. After that period, your rate and payment may adjust based on market conditions. That means your monthly payment could go up or down over time, giving you the flexibility to benefit if rates stay steady or decrease. ARMs are a great fit if you’re planning to move, refinance, or pay down your loan before the adjustment period begins — and our team is here to help you decide if this option matches your goals.
Did you know?
We offer a 15-year ARM (3/1, 5/1, 7/1) on second mortgages as a home equity product. Reach out if you'd like to learn more.
7/1 ARM – 30 Year Amortization
The introductory rate is fixed/locked in for seven years. After seven years, the rate may adjust annually. To help protect homeowners from major increases in the interest rate, our ARM programs have caps that prevent the interest rate from rising or falling by more than 2% per annual adjustment or by more than 6% over the life of the loan.
30 Year: The total length of the loan.
Amortization: The original principal + accrued interest that a homeowner pays back over the life of the mortgage loan.
Advantages
A 7–year ARM will offer a lower interest rate than most fixed rate loans and give you some security in knowing that the rate is fixed for seven years. A lower interest rate means a lower monthly mortgage payment, adding flexibility to your monthly budget.
Best Choice If
The 7-year ARM program is an excellent way to take advantage of a lower initial interest rate when compared to most fixed–rate programs. Additionally, it’s useful if you plan to sell or refinance within the next 5 to 7 years.
What to Know
With our 7-year ARM program, you’ll enjoy a low, fixed interest rate for the first three years. After that period, your rate and payment may adjust based on market conditions. That means your monthly payment could go up or down over time, giving you the flexibility to benefit if rates stay steady or decrease. ARMs are a great fit if you’re planning to move, refinance, or pay down your loan before the adjustment period begins — and our team is here to help you decide if this option matches your goals.
10/1 ARM – 30 Year Amortization
The introductory rate is fixed/locked in for ten years. After ten years, the rate may adjust annually. To help protect homeowners from major increases in the interest rate, our ARM programs have caps that prevent the interest rate from rising or falling by more than 2% per annual adjustment or by more than 6% over the life of the loan.
30 Year: The total length of the loan.
Amortization: The original principal + accrued interest that a homeowner pays back over the life of the mortgage loan.
Advantages
A 10–year ARM will offer a lower interest rate than most fixed rate loans and give you some security in knowing that the rate is fixed for ten years. A lower interest rate means a lower monthly mortgage payment, adding flexibility to your monthly budget.
Best Choice If
The 10–year ARM program is an excellent way to take advantage of a lower initial interest rate when compared to most fixed–rate programs. Additionally, it’s useful if you plan to sell or refinance within the next 7 to 9 years.
What to Know
With our 10-year ARM program, you’ll enjoy a low, fixed interest rate for the first three years. After that period, your rate and payment may adjust based on market conditions. That means your monthly payment could go up or down over time, giving you the flexibility to benefit if rates stay steady or decrease. ARMs are a great fit if you’re planning to move, refinance, or pay down your loan before the adjustment period begins — and our team is here to help you decide if this option matches your goals.
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Disclosure Information
ARM=Adjustable Rate Mortgage. APR=Annual Percentage Rate. NMLS ID #789540. Rates are effective as of 8/21/2025. All rates, terms, and conditions may change without notice and published rates do not constitute a loan offer. Individual rates and terms may vary based on account relationship, loan amount, down payment, creditworthiness, loan-to-value, purpose of loan and property type. All loans are subject to approval and eligibility. To qualify for mortgage products, you must meet membership eligibility requirements and qualifications. Upon approval, you must establish membership by opening a Verve Ownership Savings account with a minimum $5 pledge deposit. 1 – Monthly payment based on a single family, owner occupied, 680+ credit score, assuming a purchase price of $250,000, with 20% down (avoiding Private Mortgage Insurance), loan amount of $200,000 and a 30-year amortization. Monthly payment examples quoted do not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation. 2- Adjustable Rate Mortgages (ARM) are variable rate, and the interest rate/APR can change yearly after the initial fixed-rate period. For example, the interest rate on a 3/1 ARM is fixed for 3 years; 5/1 ARM is fixed for 5 years; 7/1 ARM is fixed for 7 years; and a 10/1 ARM is fixed for 10 years. Thereafter, the rate is subject to change yearly. The interest rate will be determined by adding the Index of the 1-Year Treasury Bill Constant Maturities to a Margin as low as 2.25%. The adjustment is dependent on the ARM product chosen and additional qualifications. After the initial term of 3 years, 5 years, 7 years or 10 years the interest rate can change annually and is subject to the following caps for all ARM products: First-rate adjustment cap is +/- 2%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. 3 – Important Notice to Servicemembers and Their Dependents: A refinance may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about refinancing, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term. Membership Eligibility Required. Federally insured by NCUA. Equal Housing Opportunity.
Federally Insured by NCUA | 
Equal Housing Opportunity |