Adjustable-Rate Mortgage

Depending on your loan, your interest rates and monthly payments will remain the same for 1, 3, 5, 7 or 10 years, then adjust annually to the current rate.


  • Interest rate and monthly payments remain the same for an initial period, then adjust annually
  • Variety of terms available: 1, 3/1, 5/1, 7/1 or 10/1
  • Annual and lifetime interest rate caps
  • Interest rate and payments may be lower than fixed-rate mortgages
  • Select terms to fit your budget
  • May provide more flexibility than fixed-rate loans
  • Those who expect to move within a few years
  • Those who anticipate rising incomes
  • Those who can manage payment changes
  • Those who want a lower initial monthly payment than a fixed rate loan 

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