5/1 ARM

Imagine if home came sooner.

 For a limited time, enjoy a 4.99% interest rate and 5.75% APR* with a 5/1 Adjustable Rate Mortgage. The lower initial rate can help make homeownership more attainable today by offering a lower starting interest rate, more affordable monthly payments, and increased buying power in today’s market so you can move toward your dream of owning a home sooner.

For mortgages in CA, CT, FL, HI, NJ, NY, or PA, you may start your online application below. For all other states and FHA & VA options, schedule an appointment or call 888.354.9344 to get started. 

 
 
 

 

Image of Marvin SanchezMarvin Sanchez
Sr. Mortgage Loan Officer
NMLS 644621
With 17 years of experience at Partners, Marvin is a dedicated Sr. Mortgage Loan Officer known for his personalized guidance and passion for helping Members achieve homeownership. His commitment, expertise, and genuine care have made him a trusted resource for Members navigating their home financing journey. 
 

Image of Vanessa PonteVanessa Ponte
Mortgage Loan Officer
NMLS 644642
Vanessa began her career with Partners in 2005. Vanessa provides personalized support from application to funding, tailoring each loan to fit the Member’s unique financial situation. Known for her warm and Member-focused approach, Vanessa values building lifelong financial partnerships and is honored to be part of such an important milestone.
 








































Mortgage Rates

 
 
 
NMLS #442122
IMPORTANT NOTICES: *APR = Annual Percentage Rate as of March 16. 2026. Rates are subject to change without notice. Your rate and terms will depend on factors including credit profile, loan-to-value (LTV), loan amount, occupancy, property type, income, and overall financial obligations. All loans are subject to credit approval.
5/1 ARM Disclosures: Available for properties located in CA, CT, FL, HI, NJ, NY, and PA. The interest rate is fixed for the first five (5) years. After that, the rate will adjust annually based on the Constant Maturity Treasury (CMT) index plus a margin (fully indexed rate), rounded to the nearest 1/8 of one percent. As a result, the interest rate, APR, and monthly payment may
increase after the initial fixed period.
The advertised rate and APR assumes: Purchase of a single-family primary residence in California, a minimum credit score of 780, and a maximum 75% loan-to-value. Private Mortgage Insurance (PMI) is required for loans with less than 20% down and will increase the
APR and monthly payment.
Example for informational purposes only: Based on a $450,000 loan amount and $600,000 purchase price at a 4.990% initial interest rate and 5.752% APR, the estimated principal and interest payment is approximately $2,414 per month during the first 60 months. Taxes, insurance, and HOA dues (if applicable) are not included; actual payment will be higher. Payments may increase after the fixed-rate period. 










Become a Member

Did you know? Partners began in 1960 as a credit union founded by Studios employees advocating for accessible finances in their creative careers. With plenty of magic to go around, we invite you to discover the Partners difference for you and your family.