Adjustable-Rate Mortgage

start strong, and speed up.

Adjustable-Rate Mortgages are not for everyone. But for some, they can be a sound home ownership strategy. This type of loan starts with lower monthly payments for a fixed period, followed by variable rates (with rate limitations) that make your monthly payments fluctuate at set intervals.

Apply for a loan

See if you qualify for an Adjustable-Rate Mortgage from Allegacy.

apply now

view our rates »

Annual Adjustments

Begin annual adjustments after two (2/1), five (5/1) or seven (7/1) years more »

15-30 Year Loans

You can choose to amortize your adjustable-rate mortgage across 15 or 30 years more »


We offer credit approval to help you determine how much house you can afford

Check Loan Status

Log in to check the status of your loan or view messages.

Contact us

Questions? Feel free to contact us at 336.774.3400 or 800.782.4670.

What others are saying

father backpack hiking with toddler in forest
Ronnie M.
member from Rural Hall, NC

Sherry and Alicia were excellent in helping me and keeping me informed about what was going on with my loan. Could not ask for better service from these employees.

travelers with smiling dog, taking selfie in the mountains
Laya H.
member since 2004

I bought a home with Allegacy in 2004 and Jackie Alexander handled my loan process. She did such an awesome job that here in 2018, I reached out to Allegacy to see if she was still there. Once again, Jackie walked me through the process and always responded in a timely manner. It made the experience so easy and stress free! Alicia was responsive, thorough, and on time to get our loan and closing completed on time! Awesome team!

father takes selfie while son holds a basketball on head
Gibran A.
member since 2016

Sherry and Jean were both exceptional during our process, we had a lot of life events happening at the same time and they were very accommodating to our needs and helping us stay on track during the application process.

Apply for a loan

See if you qualify for an Adjustable-Rate Mortgage.

apply now

Calculators to help you choose the right mortgage for you

Not yet a member?

Make yourself at home.

join now



    All loans are subject to credit approval, credit profile, amount financed and ability to pay. Other fees may be assessed. All rates, products and services are subject to change at any time without notice.