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Homeownership can feel complicated, but it doesn't have to.
Buying a home is one of life’s biggest milestones - and having the right loan can make all the difference. At CoastHills, our adjustable-rate mortgages* (ARMs) offer a balance of payment stability, flexibility, and they are designed to fit real-life needs - especially in today’s changing housing market.
Our hybrid ARMs include a lower initial interest rate and help support stability over time. Whether you’re buying your first home, moving up, or refinancing, these loans offer a smart, balanced option for long-term financial confidence, backed by the local service you trust.
Two Options - Both Designed Around You
5/5 Hybrid ARM
Start with an interest rate that stays fixed for the first 5 years and then is subject to a rate adjustment once every 5 years. A great option if you expect to earn more or if you believe rates will decrease in the near future.
15/15 Hybrid ARM
Get long term peace of mind with an interest rate that stays fixed for the initial 15-year period and is subject to just one interest rate adjustment at year 15.
Both loan types come with a 5% lifetime cap on rate increases, where the interest rate cannot increase by more than 5 percentage points over the initial rate during the life of the loan, helping you plan ahead with greater confidence and fewer surprises.
Curious About ARMs? You're Not Alone.
Adjustable-rate mortgages sometimes get overlooked - not because they aren’t great, but because they’re often misunderstood.
The truth is, today's ARMs are nothing like those from the past. They’re built with clear terms, strong regulations and safeguards that protect homeowners, not surprise them. And at CoastHills, we’ve taken it a step further with hybrid ARMs that offer more predictability than traditional ARMs. Our Hybrid ARMs offer lower initial rates than comparable fixed-rate mortgages, depending on market conditions.
Not sure if a hybrid ARM is right for you? That’s okay. Our friendly, local mortgage experts are happy to walk you through your options - no pressure, no confusing jargon, just helpful guidance.
Ready to Get Started?
Whether you’re dreaming of your first home or planning your next move, our CoastHills mortgage experts are here to help. Get started today by applying online or requesting a free, no-obligation mortgage consultation.
*APR=Annual Percentage Rate.
5/5 ARM: Initial 5.375% (5.458% APR) is fixed for 5 years, then adjusts every 5 years based on the applicable index and margin. For a 30-year fixed loan of $300,000, you would make 60 payments of $1,896.20 at 6.500% APR, followed by 250 payments based on the then-current variable rate.
15/15 ARM: Initial 6.000% (6.086% APR) is fixed for 15 years, then adjusts once based on the applicable index and margin. For a 30-year fixed loan of $300,000, you would make 180 payments of $1,798.65 at 6.086% APR, followed by 180 payments based on the then-current variable rate.
Rates shown are based on a $300,000 loan amount, 80% CLTV, 730+ credit score, and rate/term refinance of a primary single-family residence (no cash out). Estimated payments assume a 20% down payment for purchases and do not include property insurance or taxes. The examples above illustrate sample rates based on credit history and are subject to credit approval. The rate lock period is 60 days. For the variable adjustment period, if the interest rate increases, it could result in the dollar amount of your payments to increase, and/or additional payments, if applicable. Membership qualifications apply. Rates are as of 7/9/2026 and are subject to change without notice. For the most recent rates and payment examples, please visit CoastHills.coop/MortgageRates.
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