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Mortgages as low as 1.99%/2.083%APR!

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We have mortgages available as low as 1.99% // 2.083%APR*! With this 5/5 Adjustable Rate Mortgage (ARM), now is the time to purchase or refinance a home.

What is a 5/5 ARM?
This adjustable rate mortgage is more stable than what you're probably thinking.

  • Your rate is fixed for 5 years and subject to change each 5 years thereafter.
  • 2% cap at each adjustment with a 5% lifetime cap!
  • Payments are amortized over 30 years.

But wait... There's more!
Great rates and stability aren't the only benefits of this offer.

  • Lock & Shop: FREE 120 day rate lock while you shop for a home. Also, float down to market rate if rates decline prior to closing!
  • Rate Reset:
    • A “one click” automatic rate reset
    • No need for you to refinance if rates go down!
    • Automatically “reset” interest rate if rates decline in the future
  • 0% down payment for qualified borrowers**


Please call CUMA’s toll free number for questions/inquiries at 855-913-6193.

* Annual Percentage Rate (APR) is 2.083%. Rates based on credit worthiness. Rates may increase after consummation. Monthly payment calculation for loan amount of $150,000 with 0% down financed at 2.083% over 30 years, is $560.68 (payment amount does not include taxes and insurance, and actual payment obligation may be higher than this estimate). 
** Certain restrictions and limitations apply. Private Mortgage Insurance required for loans over 80%LTV. Please contact a CUMA loan officer for more information.
CUMA’s Mortgage Loan Originators are registered and comply with the National Mortgage Licensing System (NMLS) and Registry. Credit Union Mortgage Association, INC NMLS ID is #410502.
Caps of 2/2/5 with 2.75 margin indexed to the 5 Yr. T-Bill index.  Rates and program guidelines subject to change without notice.