ARM Mortgage

Start Smart with the Signature Flex Mortgage

Flexibility backed by signature service.

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Not every homebuyer needs the same mortgage solution.

The Signature Flex is a 5-year adjustable-rate mortgage from Service Credit Union that gives you a competitive initial rate, real buying power, and the freedom to plan ahead, backed by the member-first service we've built since 1957. *


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ARM Mortgage
Because Your Future Isn't Fixed

Life changes. Jobs move. Families grow. Priorities shift. A mortgage that made sense five years ago may not be the right fit today, and a mortgage you take out now doesn't have to carry a rate built for 30 years of unknowns.

The Signature Flex gives you a lower initial rate for the first five years, so your payment stays affordable while you focus on what comes next.

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Smart Financing. Signature Service.

Lower Initial Rate

Lower Initial Rate

Pay less each month during your initial five-year term. Your rate is competitive from day one.
More Buying Power

More Buying Power

A lower rate can mean a higher loan amount for the same monthly budget, putting more homes within reach.
Protected by Adjustment Caps

Protected by Adjustment Caps

When your rate adjusts, it does so within set limits. You'll know the limits on how much your rate can adjust based on the terms of your loan.
Expert Guidance

Expert Guidance

Our mortgage specialists are real people who know the process inside and out. Reach them by phone or email, at hours that work for you.
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Built for Buyers. Built for Refinancers.

Buying a Home

If you expect your housing needs to change over time, a 5-year ARM may be worth considering. The Signature Flex gives you a competitive rate right now, with more room in your monthly budget from the start. A lower rate could open the door to more possibilities.
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Refinancing

Looking for alternatives to your current mortgage? Refinancing into the Signature Flex could lower your monthly payment without locking you into another decades-long commitment. 
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Three Steps to Your Signature Flex Mortgage

Get Pre-Qualified

Get Pre-Qualified

Tell us about your goals and we'll help you understand what you qualify for.
Apply Online

Apply Online

Our application is straightforward and can be completed at your pace.
Close and Move Forward

Close and Move Forward

With fast processing and dedicated loan experts by your side, you'll be ready to close with confidence.

Reach out to the team directly by phone at 800-619-6575, Monday - Wednesday from 8:30 a.m. to 5 p.m., Thursdays and Fridays from 8:30 a.m. to 7 p.m. and Saturdays from 8:30 a.m. to 6 p.m.

You can also email us anytime at newmortgage@servicecu.org.


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Your Signature Flex Mortgage Questions, Answered

Who is eligible for the Signature Flex Mortgage?
Service Credit Union membership is required. Beyond that, standard mortgage qualification criteria apply, including credit history, income, employment, and the property itself. The best first step is to get pre-qualified so we can give you a clear picture of what you qualify for.
Can I use the Signature Flex to refinance my current mortgage?
Yes. The Signature Flex is available for both purchases and refinances. If you're currently in a higher fixed rate and looking to reduce your monthly payment without committing to another 30-year term, this could be a smart option to explore.
How is the Signature Flex different from a standard fixed-rate mortgage?
A fixed-rate mortgage locks in the same rate and payment for the life of the loan. The Signature Flex gives you a lower rate for the first five years, which means a lower monthly payment during that period. In exchange, the rate can adjust after year five. For many members, the savings in those early years are significant.
Is the Signature Flex a good fit if I plan to stay in my home long term?
It depends on your situation. The Signature Flex is a strong option for members who expect to move, refinance, or pay down a significant portion of their loan within the first several years. If you're planning to stay in the same home for 20 or more years with no refinancing, a fixed-rate mortgage may be worth comparing. Our mortgage team is happy to help you think through both options.
What happens to my rate after the five-year period?
After the initial five-year term, your rate will adjust at set intervals based on current market conditions. Those adjustments are governed by caps, meaning there are defined limits on how much your rate can move at each adjustment and over the life of the loan. Your mortgage specialist will walk you through exactly how your caps are structured.
What is an adjustable-rate mortgage?
An adjustable-rate mortgage, or ARM, starts with a fixed interest rate for an initial period, in this case five years, and then adjusts periodically based on a market index. The Signature Flex keeps your rate fixed for those first five years, giving you payment stability when you need it most.
* Terms and conditions apply. Applicant(s) subject to creditworthiness, debt-to-income and property requirements. Must be a member of Service Credit Union or establish membership with $5 in a Primary Savings Account.