Conventional Adjustable Rate Mortgage (ARM)1
Interest rate flexibility gives you options.
Enjoy lower interest rates and payments with a KeyBank conventional adjustable rate mortgage. After the initial fixed-rate period, interest rates may change periodically based on loan terms and market conditions.
Overview
| Interest Rate |
Varies once fixed-rate period ends |
|---|---|
| Fixed rate Period | 5, 7, or 10 years2 |
| Ideal if you |
Plan to refinance or move soon after purchasing |
Features
- Initial interest rate fixed for a specific time period at a lower rate, so you get an initial monthly payment that’s usually lower than that of a fixed rate mortgage.
- Available for one-to-four-unit primary or secondary homes and investment properties.
Contact Us
We'll walk you through your options. With your rates, terms, and benefits in hand, you'll have everything you need to take the next step.
NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance is required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.
Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM, 7 years for a 7/6 mo. ARM, 10 years for a 10/6 mo. ARM) and assume a 30-year repayment term.
Example 10/6 ARM interest rate and monthly principal and interest (P&I) payment subject to increase after initial 10 year period. Monthly payments 1-120: $4,273.97 with an interest rate of 6.500% / 8.070% APR. Monthly payments 121-359: $7,141.35 with an interest rate of 11.50% / 8.070% APR. Final monthly payment of $7,126.25 with a rate of 11.50% / 8.070% APR. Sample based on loan amount of $800,000 with a down payment of 20% or $160,000 and a 30 year term. Example rates and APR effective as of 1/26/26 and are subject to change without notice. Above scenario assumes a first lien position and an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower. Learn more about estimated mortgage payments. The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown is based on interest rate, points and certain estimated finance charges. Your actual APR may be different.
Example 7/6 ARM interest rate and monthly principal and interest (P&I) payment subject to increase after initial 7 year period. Monthly payments 1-84: $4,109.59 with an interest rate of 6.250% / 8.498% APR. Monthly payments 85-359: $7,238.59 with an interest rate of 11.250% / 8.498% APR. Final monthly payment of $7,232.67 with a rate of 11.250% / 8.498% APR. Sample based on loan amount of $800,000 with a down payment of 20% or $160,000, and a 30 year term. Example rates and APR effective as of 1/26/26 and are subject to change without notice. Above scenario assumes a first lien position and an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower. Learn more about estimated mortgage payments. The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown is based on interest rate, points and certain estimated finance charges. Your actual APR may be different.
Example 5/6 ARM interest rate and monthly principal and interest (P&I) payment subject to increase after initial 5 year period. Monthly payments 1-60: $3,945.21 with an interest rate of 6.000% / 7.185% APR. Monthly payments 61-359: $5,699.06 with an interest rate of 8.000% / 7.185% APR. Final monthly payment of $5,682.04 with a rate of 8.000% / 7.185% APR. Sample based on loan amount of $800,000 with a down payment of 20% or $160,000 and a 30 year term. Example rates and APR effective as of 1/26/26 and are subject to change without notice. Above scenario assumes a first lien position and an excellent credit profile including a FICO score of 740 or higher, and a debt-to-income ratio of 36% or lower. Learn more about estimated mortgage payments. The Annual Percentage Rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown is based on interest rate, points and certain estimated finance charges. Your actual APR may be different.
NMLS# 399797. Equal Housing Lender.