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5&5 Advantage Home Loan

5&5 Advantage Home Loan

Boost your buying power with our 5&5 Advantage Jumbo Loan (5/5 ARM).

Features of the 5&5 Advantage Home Loan include:

  • Loan amounts from $417,001 to $3,000,000.
  • Fixed Interest Rate for the first 5 years of the loan.  
  • Interest Rate may adjust only once each 5 year period.
  • 2% maximum cap each 5 year period.
  • 5% maximum cap over initial interest rate over the life of the loan.*

Know the facts:

An ARM is a mortgage with an interest rate that is fixed for a specific period of time, then changes at scheduled dates to reflect market conditions.

If your interest rate increases at adjustment, you may experience "payment shock" if your monthly payments increase to an amount you may not be able to maintain along with your other monthly obligations. Borrowers without sufficient income to manage a potentially increasing payment if refinancing or sale is not an option could be at risk of losing their home.

FM Lending Mortgage is a responsible lender and cares about our clients’ long-term financial well-being. Carefully consider each of your home financing options to determine the home loan that is right for you.

 Download in printable format here

To apply for this ARM loan with the no rate change for 5 years feature:


* Rates may vary and are subject to change after consummation. The initial rate can change every 5 years by no more than 2 percentage points up or down, never to exceed 5 percentage points above the initial rate. When the rate adjusts, your new rate will be the then current index plus margin, which is currently set to 2.00, as long as it does not exceed the 2% adjustment cap.

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