Best 7/1 Jumbo ARM Rates October 2026 | As Low As 5.50%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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7/1 jumbo ARM mortgage rates range from 5.50% to 7.25%, verified by MonitorBankRates as of October 15, 2026. Today's 7/1 Jumbo ARM mortgage market includes offers such as Hawaii Community Federal Credit UnionHawaii Community Federal Credit Union111 Aupuni St, Hilo, HI 96720 4233A5.0 ★Texas Ratio: 6.63% offering Jumbo 7/6 ARM Owner-Occupied at 5.50%, and Whatcom Educational Credit UnionWhatcom Educational Credit Union106 E Main St, Bellingham, WA 98225A+5.0 ★Texas Ratio: 4.66% offering Home Refinance - 7-Year Jumbo ARM at 6.00%, and Credit Union of Southern CaliforniaCredit Union of Southern CaliforniaCAA+5.0 ★Texas Ratio: 2.65% offering Jumbo Adjustable Rate Mortgage (ARM) - 7/1 ARM at 6.38%, and Rockland Federal Credit UnionRockland Federal Credit Union1690 Main St, Brockton, MA 02048 1223A+5.0 ★Texas Ratio: 3.09% offering Adjustable Rate Mortgage Loans (ARMs) - 7/6 ARM - Jumbo at 6.25%, and Community First Credit UnionCommunity First Credit Union1006 Royalton St, Appleton, WI 54115 3901A+5.0 ★Texas Ratio: 0.82% offering Jumbo Mortgage - 7/1 ARM at 5.62%.
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: October 15, 2026
Compare 7/1 Jumbo ARM Rates Today
Effective Date: October 9, 2026; Payment: $3,690.63; 1st Adj Rate: 6.625%; 1st Adj Payment: $4,079.91; APR based on $650,000 Jumbo loan
Rates for owner occupied, single-family refinance of existing balance, 75% loan to value and credit score of 780; Example loan $900,000
Example Loan: $900,000; Effective 10/9/2026; Owner occupied, single-family purchase money, 25% down, credit score 780
Adjustable-rate mortgage; Margin: 2.500%; Caps: 2/2/6
- Oct 10, 20266.40%▲ from 6.27%
- Oct 1, 20266.27%▼ from 6.52%
- Sep 27, 20266.52%first recorded
Loan amount: $832,751 to $2,000,000; Fully Indexed Rate: 6.500%
- Oct 2, 20266.42%▲ from 6.29%
- Sep 24, 20266.29%▲ from 6.10%
- Sep 17, 20266.10%first recorded
As Low As; Jumbo Mortgages (Greater than $832,750)
ARM Loans; Effective October 1, 2026
Discount: (0.125%); Rates as of September 16, 2024
- Oct 13, 20266.52%▼ from 6.52%
- Oct 1, 20266.52%▲ from 6.33%
- Sep 14, 20266.33%first recorded
Refinance Adjustable Rate Loan; Amount: $832,751 to $2,500,000
- Oct 10, 20266.56%▲ from 6.12%
- Sep 14, 20266.12%first recorded
As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.24; Jumbo loan
No additional details available.
- Oct 15, 20266.58%▲ from 6.47%
- Oct 2, 20266.47%▲ from 6.42%
- Sep 25, 20266.42%first recorded
Primary Residence; 7/1 ARM; Loan amount $1,249,126 to $2,000,000 with no points; Loans available up to $2,000,000.00 and valid up to 80% combined loan-to-value for primary residence; FICO 730+ best rate
No additional details available.
- Oct 14, 20266.63%▲ from 6.14%
- Sep 18, 20266.14%▲ from 6.02%
- Sep 14, 20266.02%first recorded
Jumbo ARM
- Oct 13, 20266.65%▲ from 6.53%
- Sep 14, 20266.53%first recorded
For loans greater than $832,750; Financing up to 90% available; No maximum loan amount; Second home financing available
up to $2; Initial Interest Rate Period: 7 Years; Initial Rate Period: 84 monthly payments; Initial EMP per $1000: $6.24; Fully Indexed Rate: 6.875% for 276 monthly payments (EMP; Closing Fees: Yes; Advertised rates for loan example of $900,000; assumes LTV 60% or less and credit score 740 or higher
APR reflects FICO 740 or higher, owner-occupied single-family primary residence in California, LTV 60% or less; Investment Property: add 0.50 basis points to Rate; LTV greater than 80%: add 0.25 basis points to Rate
Initial interest rate; Fully Indexed Rate: 6.625%
- Oct 14, 20266.67%▲ from 6.55%
- Oct 7, 20266.55%▲ from 6.36%
- Sep 18, 20266.36%first recorded
First Mortgages - Jumbo Loans; Adjustable rate; may increase after initial fixed period
Caps 2/2/6; repayment schedule based on 30 years
- Oct 14, 20266.76%▲ from 6.68%
- Oct 1, 20266.68%first recorded
Caps: 5% initial, 1% every six months, 5% lifetime
- Oct 14, 20266.78%▼ from 6.78%
- Oct 7, 20266.78%first recorded
Caps: 5% initial, 1% every six months, 5% lifetime
- Oct 14, 20266.81%▼ from 6.82%
- Oct 7, 20266.82%first recorded
As Low As; Rate and APR apply for first 7 years; Current Calculation of Rate Remaining Term: 7.375%; Payment Per $1,000 Financed: $6.40; Jumbo loan; Loan-to-value above 80%
Home Loans Over $832,750; Jumbo; Purchase; Adjustable rate (7/6 ARM)
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
- Oct 5, 20266.80%▲ from 6.55%
Rate steps: 6.500% for 84 monthly payments, then 7.250% for 275 monthly payments, then 7.250% for 1 payment; Autopay rate (non-autopay rates are .25% higher); ARM rates are variable and may increase after loan closing; Caps are 2% at each rate change period
Jumbo - Adjustable Rate Mortgage; payment example
- Oct 2, 20266.93%▲ from 6.80%
- Sep 30, 20266.80%first recorded
Lender Fee: 0.00%
Owner-Occupied; 0 Points; Jumbo Non-Conforming; Index: 1 YR Treasury; Margin: 3.00%; Cap 2/4
Jumbo - Adjustable Rate Mortgage
Jumbo - Adjustable Rate Mortgage; payment example
- Oct 2, 20266.96%▲ from 6.83%
- Sep 30, 20266.83%first recorded
Jumbo mortgage adjustable rate mortgage; 65% LTV, credit score 740, 15 days prepaid interest, 60-day lock; rates shown for New York only
Jumbo - Adjustable Rate Mortgage
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes .50% Full Direct Deposit discount
- Oct 9, 20267.02%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Section: Adjustable Rate Mortgage (ARM) (As low as Rates)
As Low As; Jumbo Adjustable Rate (ARM); Stated APR includes .50% Full Direct Deposit discount
- Oct 9, 20267.08%▲ from 7.00%
- Oct 1, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Section: Adjustable Rate Mortgage (ARM) (As low as Rates)
As Low As; Jumbo Loan Rates; Prepaid Fin. Charge: $4,541.67; $/1000: $6.32; Assumptions: Loan Amount $600,000, 60% LTV, Minimum FICO 720
Loan amount $940,000; down payment of at least 25%
Loan amount $940,000 with at least 25% equity; 30-year term
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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 rose 0.353 points over the past 7 days to 6.934%, up from 6.581% 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?
- Hawaii Community Federal Credit Union: 5.50% (Jumbo 7/6 ARM Owner-Occupied)
- Whatcom Educational Credit Union: 6.00% (Home Refinance - 7-Year Jumbo ARM)
- Credit Union of Southern California: 6.38% (Jumbo Adjustable Rate Mortgage (ARM) - 7/1 ARM)
- Rockland Federal Credit Union: 6.25% (Adjustable Rate Mortgage Loans (ARMs) - 7/6 ARM - Jumbo)
- Community First Credit Union: 5.62% (Jumbo Mortgage - 7/1 ARM)
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