Afford the Home of Your Dreams
Low Initial Interest Rates

Start off strong with lower payments

With an Adjustable-Rate Mortgage (ARM) from Pathways, you can enjoy lower initial monthly payments to make homeownership more affordable today. An ARM offers flexibility, making it a great option if your plans may change or if you're planning to sell or refinance in the near future.

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Lower Payments Today, Flexible Tomorrow

Secure a lower initial rate for a defined period, allowing you to save money upfront. After this introductory period, your rate adjusts based on market conditions. Ideal if you anticipate refinancing, moving, or simply prefer extra financial breathing room right now.1

Planning to Sell or Refinance?

If you see a home sale or refinance in your near future, an ARM can be a strategic choice. Benefit from lower initial rates and payments while you plan your next steps.

7/1 ARM Worry Free Relock!

Our exclusive 7/1 ARM offers stability with a guaranteed fixed rate for seven years, along with the convenience of our worry-free Relock Feature, letting you lock in a new fixed rate later without the hassle of refinancing.2

Compare Accounts

Check out some similar products to find the one that's right for you.

 

Adjustable-Rate Mortgage (ARM)

Purchasing a new home with more flexibility in interest rate

Apply Now

Fixed-Rate Mortgage

Purchasing a new home with a fixed interest rate for the life of the loan

Learn More

The Game Changer Mortgage

Refinance your home mortgage at a competitive rate to pay off your loan sooner & save.

Learn More
Overview
Mortgage Type
Adjustable-Rate
Fixed-Rate
Refinance
Fixed Interest Rate
 
yes
yes
Closing Costs
Varies
Varies
$299
Maximum Term Length
30 Years
30 Years
15 Years
No Prepayment Penalties
yes
yes
yes

Why Join?

You deserve great rates, convenient online tools, and customer service that puts you first.

Products & Services that Help You Succeed in All Stages of Life
Products & Services that Help You Succeed in All Stages of Life
Awesome Online & Mobile Banking
Awesome Online & Mobile Banking
Expert Advice and Counsel Provided by a True Financial Partner
Expert Advice and Counsel Provided by a True Financial Partner
Supporting Causes to Help the Community Thrive
Supporting Causes to Help the Community Thrive

Apply for a Mortgage

Get started with your adjustable mortgage loan application by clicking below.

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Routing # 244077093 (contact Pathways before incoming wires)

Telephone Banking
(614) 278-6152