5/5 Affordable Home Loan

Great Rates with No Points!

Take advantage of LBS Financial's Affordable 5/5 Adjustable Rate Mortgage with no points. Loan amounts up to $625,500 at conforming loan rates and only 5% down (95% Loan-to-Value) required.


  • Enjoy a low introductory rate with fewer adjustment periods from LBS Financial Credit Union! If you are planning to live in your home for only 5 to 10 years, why pay more to fix your rate for a full 30 years?
  • Your home loan will be fixed at our low initial rate for the first five years. On the fifth year anniversary date, the loan adjusts to a new rate for another five years. The loan will adjust once every five years thereafter.
  • The maximum lifetime adjustment will never exceed 5% over the initial rate. The rate can adjust up or down, depending on current market rates, a maximum of 2% during an adjustment period. LBS Financial’s ARM loans are completely straightforward with no negative amortization, no balloon payments and no pre-payment penalties.
  • No closing cost option also available for loan amounts between $250,000 and $625,500.


Accepts Deposits: Yes

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