• Fixed initial interest rate
• Adjust periodically thereafter.

• Both rate and payment stay the same throughout life of the loan.

• Lower start rate in early years of loan for increased buying power.

• Fixed rate throughout life of loan.

Rate caps provide protection from fluctuations.

Fixed rate throughout life of the loan.

Fixed payments for initial period provide stability, but can adjust thereafter based on market and loan type/terms.

Fixed payments make budgeting and planning easy and payments consistent.

30-year term with rate fixed for first: 

• 3 years (3/1 ARM)
• 5 years (5/1 ARM & 5/5 ARM) 
• 7 years (7/1 ARM)
• 10 years (10/1 ARM)

Adjusts annually thereafter. Rates on 5/5 ARM adjust every 5 years, respectively, after initial fixed rate period. 

Choose from a variety of terms to fit your needs:

• 30 years
• 20 years
• 15 years
• 10 years