Adjustable Rate Mortgage

An adjustable rate mortgage (ARM) is a loan which offers interest rates that are subject to change during the life of your loans.  These adjustable rates are often lower than the interest rates for fixed rate home loans. This typically enables you to begin with lower monthly payments.

Mortgages with adjustable interest rates are available in conforming and jumbo loan amounts. A start rate, also known as the initial interest rate, may give you a lower monthly payment for a short period of time. Your interest rate and mortgage payments may rise thereafter.

After the start rate period is over, your interest rate is based on the performance of a financial index, such as the average interest rate or yield on treasury bills. Before you agree to an ARM, be sure you can afford the highest payments that would result in an increase of your interest rate and mortgage payments.

What You Need to Know:

Visit your local branch to meet with a mortgage loan officer or send our mortgage team a message and they'll reach out to you directly.

Speak with one of our mortgage loan officers to discuss the benefits of an adjustable rate mortgage.
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