Ready for a home, but not a fixed rate?

A 5/6 Adjustable Rate Mortgage from Addition Financial is a flex(ible) home loan option when you’re ready for a home, but maybe not a traditional 30-year fixed-rate mortgage.

Homeownership is within grasp when you apply for a
5/6 Adjustable Rate Mortgage!

Maybe you haven’t found that dream home, but you found something close. Or maybe you’re new to the area, and you’re not sure where you’d like to settle permanently. Or maybe you’re just looking for a lower rate home loan opportunity. Let us give you a hand—or better yet, an ARM.

5/6 Adjustable Rate Mortgage

How does it work?

📆 The 5/6 ARM begins with a fixed rate for five years. Depending on available rates and your financial situation, it could be a lower rate compared to our 30-year fixed-rate mortgage.

📉 After five years, your monthly payment adjusts every six months depending on the market. So, some payments may be higher, and some may be lower.

♻️ The full loan term is 30-years, but you do have the option to refinance if you’re ready to jump from “flex” to “fixed.”

Need more information?

Need more information?

Ready to apply now?


You can start the application process for a 5/6 ARM today when you apply online. Make sure you review our “next-steps” checklist so you know what to expect.


Apply Online

Ready to apply…after a few questions?

Addition Financial Sales Team

We have a team of experts available to answer any questions and help you complete the application process over the phone. All you need to do is select a time that works best for you and we’ll follow-up with more information.


Schedule a Call


You’re also welcome to book an appointment at your local branch to meet with a relationship advisor and complete the 5/6 ARM application in person.


View Appointments

Now that you found the loan, do you need help finding the house?

Our real estate team at Addition Financial has compiled a list of local real estate professionals to help our members navigate the home buying journey. Learn more about these agents, brokers and certified experts by visiting our Local Realtor Directory.
Find an Agent

Membership requirements apply. Financing based on credit worthiness. View current rates here.

5/6 ARM Payment Example: 6.625% Annual Percentage Rate (APR) fixed for the first 60 months (5 years) of a 360 month term (30 years) calculates to a payment of $1,280.62 based on a loan amount of $200,000. After the fixed period of the first 60 months (5 years), the rate can increase/decrease no more than 1% every 6 months (no more than 2% per year) for the remainder of the term (300 months or 25 years). Payment example excludes taxes and insurance.