5 5

5-Year Fixed

Home Loan


With the 5-year adjustable mortgage (also called the 5/1 ARM), you get a fixed rate for the first 5 years. After that, the rate will reset once per year based on the level of interest rates. This type of loan offers you flexibility if you plan to move within a few years. Plus, you’ll instantly benefit if mortgage rates go down after the 5-year period!


When you partner with Loan Cabin to take out a 5-year adjustable-rate home loan, you’ll get:

  • An honest, transparent, experienced lending company
  • A friendly mortgage banking professional to answer your questions
  • A simple, efficient mortgage process that saves you time and energy
See Rates

How long are you planning to stay in your home?

If you want to stay in your home for a long time, a fixed-rate mortgage might work great. But if you’re not going to stay in a home for 30 years, why get a 30-year mortgage? The 5-year ARM may be a better option.

Would you prefer consistent monthly payments?

You’ll have a fixed monthly payment for the first 5 years of this loan, but after that, your monthly bill will change each year when the loan is reset.

How much budget do you have planned for your house payment?

Depending on your situation, you may be able to save on rates with a 5/1 ARM versus the traditional 30-year loan.

Are you retiring anytime soon?

If your income might plummet in the future, an adjustable-rate mortgage may not be for you. After retirement, you need predictable monthly bills. If interest rates go up, you might be caught in a difficult situation.

Did you Know

An adjustable-rate mortgage (ARM) is also known as a variable-rate mortgage or a tracker mortgage. Whatever you call it, Loan Cabin is here to help you get it!