Adjustable Rate Mortgage Loans

Enjoy lower initial interest rates and payments.

Take advantage of market rate drops without refinancing.

With an Adjustable Rate Mortgage (ARM), your interest rate will change during the duration of your loan. That means your monthly mortgage payment can go up or down depending on the rate market.

  • Lower initial interest and payments
  • Opportunities to save money 
  • Cap on interest rate changes 

Adjustable Rate Mortgage Benefits & Considerations

  • Enjoy access to lower initial interest rates and monthly payments.
  • Save money if rates don’t increase or go even lower after the initial interest period ends.
  • Stay protected from significant market rate increases with caps on how much interest can change.
  • Receive a new loan payment schedule with every interest rate change.
  • Must maintain budget flexibility to plan for potential rate changes.  
  • May be best for short term home buying and borrowing.  
  • Requires strong credit worthiness and financial standing to qualify. 

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  • Stress-free application

We offer a digital application process, as well as expert Mortgage Loan Officers to assist you with one-on-one guidance.  

  • Fast pre-approvals

Show sellers you’re serious about buying and make a stronger offer with confidence that you can afford the mortgage.   

  • No hand offs

You’ll have a single point of contact, from application to closing with your own dedicated Mortgage Loan Officer.

  • No middle man

As a Bank, we’re a Direct Lender, which means your mortgage stays close to home.   

  • 24/7 access

Enjoy anytime access to our Borrower Loan Portal that make it simple and secure to get updates or provide documents. 

  • Smooth closings

Digital closing options are available in select areas to make your special day that much better.  


Ready to get moving? We’re here to help.

We make it easy with our simple, secure online applicaiton.

Call to connect with our experienced Mortgage Loan Officers.

Email us with any questions or to get started.


Patriot Bank is a full-service bank offering mortgages nationwide, with branches in the Connecticut and New York area. 

Equal Housing Lender

Financing available up to 97% for qualified borrowers (max loan of $766,550 for most areas). Mortgage insurance required. Financing available up to 100% for qualified borrowers (VA) up to Veterans Administration Jumbo limits.