Best 7/1 Jumbo ARM Rates August 2026 | As Low As 5.25%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Today's 7/1 Jumbo ARM mortgage market includes offers such as Patelco Credit UnionPatelco Credit Union1050 Admiral Ct Ste F, Berkeley, CA 94015A+5.0 ★Texas Ratio: 4.56% offering 7/1 30-Year Adjustable Jumbo Loan at 5.50%, and Rockland Federal Credit UnionRockland Federal Credit Union1690 Main St, Brockton, MA 02048 1223A+5.0 ★Texas Ratio: 3.27% offering Adjustable Rate Mortgage Loans (ARMs) - 7/6 ARM - Jumbo at 5.62%, and Westerra Credit UnionWesterra Credit Union10169 S Parker Rd, Arvada, CO 80003A+5.0 ★Texas Ratio: 3.44% offering Jumbo 7/6M SOFR ARM - Purchase at 5.75%, and Aberdeen Proving Ground FCUAberdeen Proving Ground FCU1 Seahawk Dr, Aberdeen, MD 21001 1733A+5.0 ★Texas Ratio: 5.98% offering Jumbo 7/1 ARM at 5.38%, and Credit Union of Southern CaliforniaCredit Union of Southern California100 S Main St Ste 110, Alhambra, AZ 86403A+5.0 ★Texas Ratio: 2.43% offering Jumbo Adjustable Rate Mortgage (ARM) Rate - 7/1 ARM at 6.12%.
A 7/1 jumbo ARM provides a fixed rate for 7 years on a high-balance loan above conforming limits, then adjusts annually. It offers the longest initial fixed window of the jumbo ARM family — suitable for jumbo borrowers who want rate certainty for most of a typical ownership cycle while still saving on the initial rate versus a 30-year jumbo fixed.
7/1 Jumbo ARM rates reflect the initial fixed-rate period. Jumbo ARM rates will adjust after 7 years based on market conditions. Last Updated and Verified: August 28, 2026
Compare 7/1 Jumbo ARM Rates Today
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Fully Indexed Rate: 6.375%
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ARM interest rates and payments are subject to increase after the initial fixed-rate period (7 years for a 7/1 ARM).
Caps: 2/2/6
Example Loan: $900,000
Example Loan: $900,000
$832,751-$2,000,000
$832,751-$2,000,000
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caps 2/2/6 repayment schedule based on 30 years
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Rates are quoted on a 30-day lock option. For additional rates or program availability, please contact the Mortgage Department, at 254.774.5104 or to apply online, please visit our website at www.TexellHomeLoans.com. Loans currently financed with Texell are not eligible for refinance.
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Caps 2/6 - Margin 2.875; Year 1-7, rate 5.750%, 84 payments of $5.83; Year 8-30, rate 6.785%, 276 payments of $6.44
Rate: Index 1 YR Treasury + 2.75% Margin
Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
Adjusted Rate (After 1st Adj.): 6.625%; Adjusted APR: 6.625%
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7/1 Jumbo ARM Rate Trend
Daily average rates across all mortgage types
Daily mortgage rate averages compiled from our database of 8,500+ banks and credit unions — updated daily.
The 7/1 Jumbo ARM rate fell 0.018 points over the past 7 days to 6.519%, down from 6.537% last week.
Jumbo ARM Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: Every 7/1 jumbo ARM rate on this page is sourced directly from the official website of the lending institution. Jumbo ARM rates reflect the initial fixed-rate period and are verified and updated daily.
Coast-to-Coast Lender Coverage: Our database monitors over 8,500 banks and credit unions across all 50 states, capturing a diverse mix of community credit unions, regional banks, and online lenders. This breadth ensures you see competitive rates that many rate surveys miss.
Time-Stamped for Full Transparency: Because 7/1 Jumbo ARM rates can shift multiple times per week in response to economic conditions and Federal Reserve policy changes, every rate entry carries its own specific "last updated" date. You always know exactly how fresh the data is.
Proprietary Lender Safety Ratings: Rate alone is only part of the picture. MonitorBankRates evaluates the financial stability of every listed institution using regulatory FDIC and NCUA data. Our composite Health Grades (A+ to F), Star Ratings, and Texas Ratio calculations give you a clear view of lender stability so you can borrow with confidence from a financially sound institution.
Frequently Asked Questions About 7/1 Jumbo ARM Rates
What is a 7/1 Jumbo ARM?
What qualifies as a jumbo loan?
How does the rate adjustment work after the 7-year fixed period?
What are rate caps on a 7/1 Jumbo ARM?
Who is a 7/1 Jumbo ARM best suited for?
What are the typical borrower requirements for a jumbo ARM?
How does a 7/1 Jumbo ARM compare to a 30-year fixed jumbo and shorter ARM terms?
What is the difference between interest rate and APR on a 7/1 Jumbo ARM?
How are 7/1 Jumbo ARM rates determined?
What are today's best 7/1 Jumbo ARM rates?
- Patelco Credit Union: 5.50% (7/1 30-Year Adjustable Jumbo Loan)
- Rockland Federal Credit Union: 5.62% (Adjustable Rate Mortgage Loans (ARMs) - 7/6 ARM - Jumbo)
- Westerra Credit Union: 5.75% (Jumbo 7/6M SOFR ARM - Purchase)
- Aberdeen Proving Ground FCU: 5.38% (Jumbo 7/1 ARM)
- Credit Union of Southern California: 6.12% (Jumbo Adjustable Rate Mortgage (ARM) Rate - 7/1 ARM)
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