Adjustable Rate Mortgages

Take advantage of a lower introductory rate with an Adjustable Rate Mortgage (ARM). These loans generally start with a lower rate than Fixed Rate mortgages and stay steady for an introductory period. Then they adjust at predetermined intervals based on a money market rate index.

Adjustable Rate Mortgages | Huntington

Why choose an ARM?

Various Term Options

Select the term that is best for you.

No Surprise Rate Changes

Know what's ahead. Since the interest rate adjusts at a predetermined time, you won't be surprised by a monthly payment change.

Annual and Lifetime Caps

Protect your future. ARM loans limit how much interest rates can increase over the life of the mortgage.


Other Adjustable Rate Mortgage Features

Flexible Payment Dates Make initial fixed monthly payments on a date that fits your needs best.
1 of 8
Go paperless A reliable alternative to mailed paper statements. Online statements are a secure way to manage and track your account information.
2 of 8
Free Alerts Our free, automated email Account Alerts can provide you with timely updates on your mortgage, such as payments received.
3 of 8
Free Online Bill Pay Pay your bills and track your Mortgage when you log in to Huntington.com and use free Online Bill Pay.
4 of 8
Service Commitment We'll be here to walk you through the entire process, from application to closing and beyond.
5 of 8
Mortgage Closing Cost Discount Huntington checking customers get a $250 discount on Mortgage closing costs.
6 of 8
Access to over 1000 Branches No matter where you choose to make your payments, Huntington gives you options.
7 of 8
Free Mobile Banking Check your balance and make a payment from your phone and iPad®.
8 of 8

Adjustable rate mortgage tools that can help with your decision

All lending products are subject to application and credit approval. Home equity loans and lines also subject to acceptable appraisal and title search.

ARM Rates

Your rate is based on the 43215 ZIP code.

Rates effective as of Monday, November 20, 2017.

Rate Table
Term Interest Rate Discount Points APR Payment Stream Rate Effective Date
3/1 ARM 2.850% 0.000 3.532% 36 payments of $496.27
323 payments of $535.17
1 payment of $530.91
11/17/17 12:00:00 AM
5/1 ARM 2.900% 0.000 3.466% 60 payments of $499.48
299 payments of $533.13
1 payment of $529.55
11/17/17 12:00:00 AM

The above interest rates and APRs are adjustable rates and subject to increase after consummation.

*The interest rate requires 1% origination fee, plus any additional points, if any, as listed above.

The Annual Percentage Rates (APRs) disclosed above are based on a $120,000 loan amount, at least a 20% down payment, points disclosed, the payment of certain customary fees at loan closing, credit score of at least 740, a rate lock period of 60 days and assumes a purchase of an owner-occupied one unit dwelling with no secondary financing for a property located in Franklin County, Ohio. Click here to find a loan officer near you or give us a call at 1-800-LOAN US-1 (1-800-562-6871) for terms available in your area. Mortgage Insurance may be required for loans that have less than a 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington's mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply.

The initial interest rate for the 3/1 ARM and the 5/1 ARM is in effect for the first 36 months, or 60 months, respectively. After 36 months, or 60 months, the APR is subject to change annually. 

All loans are subject to credit approval and receipt of a property appraisal demonstrating sufficient value.

† The payment information represents only the monthly principal and interest portion of your payment. Payments do not include amounts for taxes and insurance premiums, and your actual payment obligation will be higher.

Mortgages

Connect With a Specialist

Local loan officers are waiting to help you. Select your location to connect with lenders in your area.

Find a Loan Officer Near You
24 hour grace logo

Find an NMLS Number

Search Huntington employees to view his or her registration with the Nationwide Mortgage Licensing System.

Find an NMLS Number

Still Have Questions?

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

Call Us

(866) 917-4351
Mon to Thu: 8:00 a.m. - 8:00 p.m. ET
Friday: 8:00 a.m. - 7:00 p.m. ET
Saturday: 9:00 a.m. - 3:00 p.m. ET