Adjustable Rate Mortgage (ARM) Loan
An Adjustable Rate Mortgage (ARM) is a home loan designed specifically for healthcare professionals. Even if you’re burdened with student loan debt, an ARM loan allows you to buy your dream home sooner, with less cash upfront.
Flexible Home Loans Designed for Healthcare Professionals
Buying your dream home does not have to wait especially if you are balancing student loans or contract work. Our Adjustable Rate Mortgage (ARM) loans help you get into your home sooner with less cash upfront and are designed specifically to fit your unique financial journey.
Challenges Healthcare Professionals Face
Traditional mortgages often don’t work well for healthcare careers. Many lenders don’t factor in the realities of your profession, making it hard to qualify or get competitive rates.
Common hurdles include:
- High student loan balances
- Income that hasn’t fully ramped yet
- Contract-based employment
- Limited time for complex homebuying
Buy Sooner with Cash Less Cash Upfront — Even With Student Loans
We factor future income potential into our lending decisions, as well as your current income. We’re not afraid of student debt, and most of our mortgages require lower cash downpayments up front.
The key benefits to an AHCU mortgage include:
- No PMI—even with low down payment
- Up to 100% financing available
- Flexible student loan treatment
- Employment contracts accepted
ARM Rates
| Term | APR* |
|---|---|
| 3-Yr Fixed | 5.00% |
| 5-Yr Fixed | 5.10% |
| 7-Yr Fixed | 5.20% |
*APR = Annual Percentage Rate. Adjustable-Rate Mortgage (ARM) loans have a variable rate and the APR may increase after consummation. Borrower must meet membership requirements to qualify. All loans are subject to approval. Other restrictions may apply
NMLS#: 808383. Equal Housing Opportunity.
Take the Next Step with Confidence
You don’t have to figure it all out alone. Our team is here to guide you with personalized support tailored to your career and goals. Ready to move forward? Schedule an appointment with our lending team to walk you through the application process.
*Adjustable Rate Mortgage (ARM) loans have a variable rate and the APR may increase after consummation. Borrower must meet membership requirements to qualify. All loans are subject to approval. Other restrictions may apply.
