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Refinance with a 5/5 ARM and lower your payment today!

Enjoy a lower payment that only adjusts once every 5 years.

Lowering your mortgage payment just got easier.  With our new 5/5 Adjustable Rate Mortgage (ARM), you can benefit from one of the lowest possible rates longer that will help you save big on your monthly mortgage payments.

Payment Example:
Current mortgage vs. Refinancing with 5/5 ARM 

  Fixed Rate Mortgage 5/5 Adjustable Rate Mortgage
  Fixed Rate Mortgage 5/5 Adjustable Rate Mortgage
Loan Amount $200,000 $200,000
Rate 4.56% 3.11%
Principal & Interest Payment $1,013 $849
Savings First 5 Years $0 $9,840

Note: Adjustable Rate Mortgages (ARMs) are variable rate loans and your annual percentage rate may increase after the original fixed rate period.

Why is Community First's 5/5 ARM a better mortgage option?

Lower Loan to Value Requirement

Enjoy as little as 10% (90% LTV) required on your loan.

Stable monthly payment
Payment stability for five years at a time rather than annually with a regular ARM.

Rate only adjusts once every 5 years
Enjoy a lower fixed rate that only adjusts once every 5 years.

Affordable low initial monthly payment
Benefit from an extremely low rate that allows you to have lower monthly payments.

Pay down principle faster
Ability to pay down the principle faster at a lower rate.

Stop by a branch near you or call 800.342.8416 or 904.354.8537 for more information.

Learn More or Apply for a 5/5 ARM

Need More Information

Exclude: Timeshares, Townhomes/Condos, Working farms, Ranches, Orchards, Houseboats, Manufactured Housing and Unimproved Land

*Adjustable Rate Mortgages are variable rate loans and your annual percentage rate may increase after the original fixed rate period. Available for primary residence up to $850,000 (90%LTV), second home $417,000 (80% LTV) and investment property up to $200,000 (75% LTV) . Payments are based on a 30-year amortization. Mortgage insurance is required if the loan-to-value is greater than 80%. An appraisal will be required. Maximum loan amount for the conforming product is $417,000. Maximum loan amount for the jumbo is $850,000. Typical closing costs apply. Rates are subject to change at any time. Payment Example: Loan amount $205,000 for 30 years at 3.08% (3.274% APR) will result in a monthly payment of $851.86.