Adjustable-Rate Mortgage (ARM)

A little flexibility can go a long way.

Apply Now Explore Rates

Adjustable-Rate Mortgage (ARM)

A little flexibility can go a long way.

Apply Now Explore Rates
Start with a lower introductory interest rate.
Give your Mortgage room to change 

along with your plans.

Adjustable-Rate Mortgage (ARM)

A little flexibility can go a long way.

Apply Now Explore Rates

Not every home plan needs to stay the same forever.

Jobs change. Families grow. Next moves happen. An Adjustable-Rate Mortgage gives you a lower introductory rate for a set period before the rate can adjust over time.

An Adjustable-Rate Mortgage can help you:

  • Start with a lower introductory interest rate than a traditional Mortgage
  • Keep that initial rate for a set period before adjustments begin
  • Make the most of a lower initial payment if you plan to move or refinance down the road

If you’re not sure this home is your forever home, an ARM can give you flexibility for the chapter you’re in now.

Why Financial Center?

Across Indiana, we’re helping homebuyers make the Mortgage part easier, so they can focus on everything that comes after the keys.

Real guidance
You shouldn’t need a Mortgage dictionary to buy a home. Our experts keep the process clear, so you always know what’s happening now and what's ahead.
Competitive rates
A little percentage can make a big difference. That’s why we offer competitive rates – helping to put more of your money toward the home and life you’re building.
Trusted advice
Closing day is just the start of our relationship. Count on Financial Center for everyday direction with resources in our Financial Wellness Hub and one-on-one guidance from our team of financial coaches.

Meet your dedicated contact.

Ben Grieshop

Mortgage Loan Officer

NMLS: 1767012

Ben is a Mortgage Loan Originator at Financial Center, focused on making homeownership easier and more accessible for members. With a people-first approach, Ben simplifies the mortgage process, providing clear direction and support every step of the way.

Your financial playbook for real life.

Tools to support your success.

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Frequently asked questions

View All FAQs

You can apply for a Mortgage online or by working directly with one of our Mortgage Loan Originators.

To get started, you'll need:

  • Proof of Income: Last 2 years of W-2s, tax returns, 1099s (if applicable), recent pay stubs, or Social Security award letter
  • Asset Statements: Checking, savings, retirement, investment accounts, certificates, or bonds
  • Other Documents: Photo ID, Social Security card, divorce decree, gift letter (if using gift funds), bankruptcy documents, or proof of rent/lease payments

Your Mortgage Loan Originator will guide you through every step of the process and let you know exactly what's needed.

Absolutely. Getting pre-approved is your first big step toward homeownership. It helps you understand how much home you can comfortably afford, making your home search focused and efficient. A pre-approval shows sellers you’re serious and gives you an edge over buyers who aren’t pre-approved.

During the pre-approval process, we'll review your financial information and provide a conditional loan amount, helping you shop with confidence and move quickly when you find the right home.

Financial Center offers a variety of Mortgage solutions to fit your homeownership goals. Whether you're buying your first home, upgrading, refinancing, or purchasing a higher-value property, we have options designed for different needs and budgets.

Explore our options to compare Fixed-Rate, Adjustable-Rate, FHA, VA, and Jumbo products. If you're not sure which loan is right for you, our Mortgage Loan Originators are here to help you find the best fit.

Buying a home involves several important steps, including getting pre-approved, finding a home, completing your loan application, the appraisal, underwriting, and closing.

Your Mortgage Loan Originator will coach you throughout the process, explain any closing costs, answer your questions, and help ensure everything stays on track from application to closing.

You can manage your home lending products within Digital Banking, including seeing your balance and monitoring your payment progress. There are several ways to make payments, including:

  • Set up recurring payments in Digital Banking
  • Make a one-time payment or transfer funds in Digital Banking
  • Visit a Financial Center location
  • Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, requesting a payoff amount, or just have questions, contact us for support.

New home? You're almost there.

You've found the place, now help protect it. Explore home insurance options designed to give you confidence in what you're building. 
Home Insurance

All loans subject to credit approval. Subject to underwriting guidelines. Lender NMLS #509724. Financial Center First Credit Union membership required. Equal Housing Lender.