A credit union exclusive conventional ARM — a lower starting rate on an adjustable conventional mortgage, with the fixed window and rate caps explained before you choose.
Andy and Frank Hempel, Senior Loan Officer's
The Mortgage Refs
Phone: (586) 883-5994
Email: [email protected]
NMLS# 1905798
Company NMLS# 2273319
Licensed in: MI
A credit union exclusive conventional ARM — a lower starting rate on an adjustable conventional mortgage, with the fixed window and rate caps explained before you choose.
Loan programs
The credit union exclusive conventional ARM is an adjustable-rate mortgage on conventional terms, priced through a credit union program. The opening rate holds for a set window. After that it can move — inside caps we’ll show you before you lock.
I might move in six or seven years. Is a fixed rate overpaying?
Maybe. The credit union exclusive conventional ARM often starts lower than a 30-year fixed, then can adjust.
I’ll put the start rate, the first adjustment year, and the caps next to a fixed payment. You pick with both numbers visible.
Delivered
An ARM is not a teaser with a trapdoor. It is a schedule. Here is the schedule in plain order.
Credit union exclusive conventional ARM next to a fixed conventional. Caps included. No rate buried in a footnote.
Digital-first mortgage guidance for people who’d rather text than call. Clarity, speed, and zero pressure.
Explore
Programs
Talk to us
Frank ·
Andy ·
Book a 15-min intro call →
Replies 9am–6pm Eastern Standard Time, seven days a week.
Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval, income verification, property appraisal, and program eligibility, which may include credit union membership. Adjustable rates can increase after the initial fixed period, subject to caps. Rates shown are illustrative, not an offer, and change without notice.