Are you looking for a mortgage with a lower initial rate? 
An Adjustable-Rate Mortgage (ARM) from CS Bank can be a great option, especially if you plan to move, refinance, or pay off your loan within a few years. 
 
With an ARM, you'll enjoy a fixed interest rate for the first few years of your loan, followed by periodic adjustments based on market conditions. This gives you the benefit of lower payments early on, with the flexibility to adjust down the road.

Why Choose an ARM from CS Bank?



  • Lower initial interest rates compared to fixed-rate mortgages
  • Ideal for short-term homeowners or buyers planning to refinance
  • Potential to save money in the early years of the loan
  • Local lending experts to guide you through every step

How Does it Work?

Our adjustable-rate mortgages start with a fixed rate for an initial period - commonly 3, 5, 7, or 10 years. After that, your interest rate adjusts annually based on current market conditions and loan terms. 
 
We'll help you understand exactly how your rate could change, so there are no surprises! 






Is an ARM Right for You?

An ARM could be a smart fit if:
  • You plan to move or refinance within the next 5-10 years 
  • You want to take advantage of lower payments early on
  • You're comfortable with potential rate changes in the future
  • You want personalized advice from a lender who puts your goals first

At CS Bank, you're not just choosing a mortgage - you're choosing a local partner who's invested in your success. Let's find the right fit, together! 

 
Apply online, contact us in the form below, or visit your nearest CS Bank branch to speak to one of our mortgage lenders.