Get the Travis Low Rate Lock-in with a 15/15 ARM!

Get the Low Rate Lock-in

Get our 30-year home loan at the low 15-year rate with the 15/15 Adjustable Rate Mortgage (ARM) at Travis and lock in your rate for 15 years.

Our easy online application and home loan financing options make your mortgage process straightforward and quick.

To start your application, first click below and then click Apply Now on the next page.

Turn to Travis Credit Union for this Adjustable Rate Mortgage (ARM) – a smart choice for your home loan needs.


Lower Rates
Our 30-year (15/15) Adjustable Rate Mortgage offers a lower rate than a 30-year fixed home loan.

Smart Choice
Ideal for home purchases or refinancing in a rising rate environment. This product is a smart mortgage solution when rates are rising.

Stability Plus Low Rates
You get the stability of a fixed-rate mortgage, with the low rates of an ARM.

Personal Service Throughout The Process
Friendly, professional mortgage consultant teams are here to help you through the entire process. Your home is personal and we get that.

Keep Your Mortgage Local
Decisions are made here. When you trust a credit union with your mortgage, you keep your money local. That’s smart for the community.

Joining Is Easy!
If you live here, you can bank here. Everyone who lives, works, worships or attends school in our 12 county area is eligible to become a member of Travis Credit Union.

Lock in your mortgage before rates rise again. Apply now!

Apply Now

Tools and Resources

Home Loans and Refinancing

First-time Home Buying

Purchasing a Home

Refinancing

 

15/15 Year Adjustable Rate Mortgage (ARM) rate is variable and can increase one time in year 16 of the loan and has a 6% interest rate adjustment cap. The new rate will be based on the current index at that time (weekly 10-year U.S. Treasury average, plus a margin of 1.310%). ARM loans are amortized over a 30-year term. APR (Annual Percentage Rate) as low as 4.434% is fixed for the first 15 years, loan based on 80% loan-to-value or less and credit approval. Rate is as of August 10, 2018 and subject to change without notice. For a $250.000 loan, payments for years 1-15 is $1,304.12. On a fully capped interest rate of 10.500%, payment for years 16-30 is $2,286.85. The adjusted payment example for years 16-30 is based on the current index as of June 28, 2018, plus margin. The actual index rate at the time of adjustment may be higher. The rate may vary depending on each individual’s credit history and underwriting factors. Financing available up to $453,100 (or the conforming loan limit for your county) for owner-occupied California primary residence properties only. Property insurance required. Other restrictions may apply. Payment example does not include taxes and insurance. If an impound account for taxes and insurance is desired, you are responsible for those set-up amounts and any charges assessed by your current lender such as reconveyance fees, payoff demand fees, prepayment penalties and any interim interest collected at closing. Everyone who lives, works, worships or attends school in our 12-county area is eligible to join. Certain membership eligibility requirements may apply. Equal Housing Opportunity. NMLS #643926.

By clicking on the buttons and links above, you will open our Real Estate partner online application website, Prime Alliance. The “Prime Alliance” links are provided as a convenient connection between the websites belonging to Travis Credit Union and its business partner. The policies and procedures in use at our business partner may differ from those in use at Travis Credit Union. Travis Credit Union is not responsible for the content contained in our business partner website.