Smart Financing for Your Next Move
Ready to make your homeownership dreams a reality? Sunmark's Adjustable-Rate Mortgages (ARMs) offer the financial flexibility you need with lower initial rates than traditional fixed mortgages. Perfect for members planning to stay in their home for a short period of time, or those who want to qualify for a larger mortgage amount, our ARMs help you maximize your purchasing power while keeping monthly payments manageable.
Why Choose Sunmark's ARM:
- Lower Initial Rates - Start with rates below fixed mortgage options
- Increased Buying Power - Qualify for more home with lower qualifying rates
- Fast Commitments - Mortgage commitment letters ready in 48 hours or less
- Local Expertise - In-house underwriting, processing, and closing team
- Competitive Terms - Rates consistently below industry averages
Current ARM Rates
Get the most up-to-date adjustable-rate mortgage rates and start planning your home purchase or refinance. Our rates are updated daily and consistently below industry averages.ARM Questions & Answers
Get the facts about adjustable-rate mortgages and how they can work for your financial goals.An ARM offers a lower initial interest rate than a fixed-rate mortgage. The rate is fixed for an initial period (typically 3, 5, 7, or 10 years), then adjusts annually based on market conditions according to annual and lifetime caps and floors set in your loan terms.
ARMs are ideal if you plan to stay in your home for a short period of time, want lower initial payments, or need to qualify for a larger mortgage amount because you expect your income to increase over time.
After the initial fixed period, your rate adjusts annually based on market conditions. Your loan includes annual and lifetime caps (maximums) and floors (minimums) to protect you from dramatic changes.
Sunmark provides mortgage commitment letters within 48 hours, with instant preapprovals available to help you shop with confidence.
Yes, you can refinance your adjustable-rate mortgage to a fixed-rate loan at any time. Many borrowers choose to refinance when their initial fixed period ends or when they want payment certainty. Sunmark offers competitive refinancing options with fast 48-hour commitments.
Meet Your Mortgage Experts
Our experienced mortgage team is here to guide you through every step of your ARM application process.
