Adjustable-Rate Mortgage (ARM) loan products offer a cost-effective solution for prospective homebuyers with short-term mortgage goals. The first number in your ARM program refers to the fixed rate period at the start of the mortgage. The second number in the ARM program references the intervals your rate will be reset following the introductory fixed rate period.
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Program features:
*7/6-month ARM program features fixed rate for the first 7 years with the rate subject to change every 6 months following the expiration of the fixed rate program. Following the expiration of the fixed rate period, rate is subject to change every 6 months.
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* 5/5 ARM program features fixed rate for the first 5 years. Rate is subject to change after the initial 5 years to a new fixed rate. Following the expiration of this fixed rate period, rate is subject to change every 5 years. 10/5 ARM program features fixed rate for the first 10 years. Rate is subject to change after the initial 5 years to a new fixed rate. Following the expiration of this fixed rate period, rate is subject to change every 5 years.
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*3/1, 5/1, 7/1 and 10/1 ARM programs feature fixed rate for the first 3, 5, 7 or 10 years with the rate subject to change annually following the expiration of the fixed rate program. 5/5 ARM program features fixed rate for the first 5 years. Rate is subject to change after the initial 5 years to a new fixed rate. Following the expiration of this fixed rate period, rate is subject to change every 5 years. **Private Mortgage Insurance (PMI) required when loan-to-value exceeds 80%.
LEARN MOREThis is not a commitment to lend. All loans subject to program guidelines including credit and property approval. If refinancing an existing loan, the total finance charges may be higher over the life of the loan.
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