Adjustable-Rate Mortgages

Start with a lower rate. Grow into what’s next.

Take advantage of a lower introductory rate with an adjustable-rate mortgage. These loans generally start with a lower rate than fixed-rate mortgages, and stay steady for an introductory period, then adjust at predetermined intervals based on a money market rate index1.

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Why choose an adjustable-rate mortgage

Various loan term options

Choose the loan term that fits your timeline and goals.

No surprise interest rate changes

Your interest rate adjusts at a predetermined time, so you’ll always know what’s ahead.

Annual and lifetime caps

Built-in limits help protect your future by capping how much your rate can increase over time.

ARM Mortgage Features

Access to over 1,000 branches

Whether you prefer to pay online or in person, we give you options. Find your neighborhood Huntington branch.

Flexible payment dates

Choose a monthly payment due date that fits your schedule. Your mortgage should work around your life, not the other way around.

Online account management

Save time with easy access to your loan details. View your balance, track your transaction history and make payments with Bill Pay, all in one place.

Email alerts

Stay in the know with automated email alerts that keep you updated on payments and account activity.

Go paperless

Secure, digital statements make it easy to track your account, no mailbox required.

Service commitment

From application to closing and beyond, we’re here to guide you every step of the way.

Frequently Asked Mortgage Questions

Use our down payment calculator to explore different scenarios and see how various down payment amounts could affect your monthly payment.

There’s no one‑size‑fits‑all answer. It can depend on how long you plan to stay in the home and how comfortable you are with potential payment changes. Use our fixed or adjustable‑rate mortgage calculator to compare scenarios and see how each option could affect your payments over time.

Home Loan Resources

Connect with a local lending professional

Our loan officers are ready to help you take the next step. Just select your location to find a specialist near you.

Find a Loan Officer

Verify a lender’s credentials

Looking for an NMLS number? Search Huntington employees to view their 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.
800-562-6871
Mon to Fri: 8 AM to 7 PM ET
Sat: 8 AM to 2 PM ET

DISCLOSURES

1Adjustable rates. Interest rates and APRs are adjustable rates and subject to increase after consummation.

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 interest rate is subject to change every 6 months.

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