Adjustable Rate Mortgages

An ARM home loan starts with a fixed interest rate for an initial period, then adjusts periodically based on market trends. This structure can be especially beneficial if you plan to move or refinance within a few years, or simply want lower upfront costs.

Why Choose an Adjustable Rate Mortgage?

Enjoy home financing designed to fit your short-term goals or evolving financial strategy:

Lower Initial Rates: Take advantage of reduced interest rates during the initial fixed term, which can result in significant savings early in your loan.

Flexible Terms: Choose from a variety of adjustment intervals to match your unique financial timeline.

Ideal for Short-Term Plans: ARMs are well-suited for buyers who anticipate relocating or refinancing before the adjustment period begins.

Key Benefits of Our ARM Home Loan

When you finance your home with Marion Community Bank, you receive more than just a mortgage:

Personalized Loan Guidance: Work with local experts who understand Alabama’s real estate market and your financial needs.

Transparent Terms: Clear rate caps and adjustment schedules so you always know where you stand.

Streamlined Application Process: Fast, local decision-making and support every step of the way.

Is an ARM Right for You?

Adjustable Rate Mortgages are an excellent choice if:

You're buying a starter home or expect to move within 5–7 years.

You prefer lower payments in the early years of your loan.

You’re comfortable with some fluctuation in future interest rates.

You want to maximize affordability in today’s market.

Let our mortgage team help you weigh the benefits of an ARM versus a fixed-rate loan to find the best fit for your lifestyle and financial goals.

Start Your Homeownership Journey with Confidence

At Marion Community Bank, we’re committed to helping you finance your future with flexible mortgage solutions that make sense. Whether you're purchasing your first home or refinancing, our Adjustable Rate Mortgages offer competitive terms and tailored service.

Visit your local Marion Community Bank branch in Montgomery, Clanton, Jemison, Maplesville, Selma, and Marion today to speak with a mortgage specialist. Let’s get you into the home you want — with a rate that works for you.