5/6 Adjustable Rate Home Loan

Start Strong with a 5-Year Fixed Period

With a 5/6 Adjustable Rate Mortgage (ARM), you get a fixed interest rate for the first 5 years—ideal if you’re planning to sell, refinance, or pivot your property investment strategy in the near future. After year five, your rate will adjust every six months based on market conditions.

This option is especially appealing to buyers focused on shorter-term investments or who want lower monthly payments in the early years of the loan.

30-year loan structure

Fixed rate for 5 years, then adjusts semi-annually

Finance up to 75% of your home’s value*

No penalties for early loan payoff

Rates based on US SOFR (Secured Overnight Financing Rate) Index

Built for U.S. Buyers, Ready for Costa Rica

At Volo Loans, we help Americans turn their international homeownership goals into reality, without the confusion or delays of local banks. Our 5/6 ARM is underwritten and serviced in the U.S., giving you the compliance, speed, and clarity you’d expect at home.

We know what it takes to close cross-border deals, and our team is here to guide you every step of the way. From initial application to final signature, we keep things secure, smart, and moving forward. Explore our Costa Rica home loans to see how it works.

Our Process

Get Pre-Approved
Submit your application online in minutes—no foreign credit needed.

Find Your Home
Explore with confidence equipped with a Volo Loans pre-approval.

Go Under Contract
We’ll help you handle cross-border compliance, title, and documentation.

See Our Process

I’m a boat captain in Costa Rica and have been here off and on for over 20 years. I’d tried to buy property before but could never make it happen. With Volo Loans, it was finally possible. I was very fortunate to find them. They made it easy and simple, and I was able to purchase a piece of property exactly where I wanted to be. I’m very happy with everything and I recommend them 100%. It’s just an easy way to buy property in Costa Rica.

Jamie E., Volo Loans Customer

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Frequently Asked Questions

What does a 5/6 ARM mean for home buyers?

It’s a 30-year mortgage where your interest rate is fixed for the first 5 years, then adjusts every 6 months. It offers early payment predictability with future flexibility.

Is the 5/6 ARM good for short-term international property plans?

Yes. This loan is best for buyers who plan to sell, refinance, or relocate within 5 to 7 years. You get a lower initial rate without a long-term commitment.

How does the rate change after the fixed period ends?

After 5 years, the rate adjusts every 6 months. Adjustments are tied to the US SOFR (Secured Overnight Financing Rate) Index, and we clearly explain how they’re calculated during the application process.

Can this loan be used to buy property outside the U.S.?

Absolutely. The 5/6 ARM is available to U.S. citizens purchasing residential property in Costa Rica.

Are these loans backed by U.S. regulations?

Yes. All Volo Loans are funded, serviced, and underwritten in the U.S., following strict compliance and security standards.

Is there any penalty if I want to pay off the loan early?

No. You can pay off your loan at any time without any additional fees.

Your Global Property Journey Starts Here

Start Pre-Qualification

Get pre-qualified today. It’s quick, confidential, and designed to help you move forward with confidence.

+1 (833) 3MY-VOLO

155 N 400 W STE 170
Salt Lake City, UT 84103

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Volo Loans provides equal lending opportunities to all applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

*The displayed interest rate reflects a base rate for an adjustable rate loan and does not include any rate or pricing adjustments based on credit score, fees, borrower, or property information. The adjustable rate offer has the initial interest rate is fixed for the first seven years of the loan, depending on which program you select. After the initial fixed rate period, the interest rate charged will be based on an interest rate index plus a margin. The index is the SOFR Index and is the 180 day average provided by the Federal Reserve Bank of New York. The most recent Index figure available as of the date 45 days before each Change Date is called the “Current Index.” Information about this index is published in the Federal Reserve Statistical Release, Form H.15 (519). Information about this index is announced weekly by the Federal Reserve Board. After the initial fixed rate period, the applicable interest rate and payment amount under this adjustable rate loan will be adjusted semiannually, based on movements of the index. The fixed loan product has a fixed rate for the lifetime of the loan, 30 years. The index is the Primary Mortgage Market Survey@ 30-Yr FRM US Weekly Average published and made available by Freddie Mac. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. If either index ceases to be made available, we will choose a new index which is based upon comparable information.

The displayed offer will be calculated based on provided information and will be subject to change upon the final appraisal and purchase offer. Your actual monthly payment may be higher. All rates and offers are offered for a limited time and subject to change without notice. Rates are based on an evaluation of credit history, loan-to-value, and loan term , so your rate may differ. If an escrow account is required, or requested, the actual monthly payment will also include monthly escrow payments. Other restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions, and programs are subject to change without notice.

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