Adjustable Rates



ARM Loan ProgramRateAPR**
7 year adjustable (7/1 ARM)6.875%7.633%
5 year adjustable (5/1 ARM)6.500%7.642%

Promotion is for a limited time only and is subject to change or may be discontinued at any time.  All loans are subject to credit and underwriting approval.

**APR = Annual Percentage Rate.  APR was calculated based on a loan amount of $100,000.00, with a 1% origination fee, $9.00 flood determination fee, $200.00 closing fee, and 15 days of prepaid interest.

ARM Loans:  For adjustable-rate loans, your monthly principal and interest payment will be fixed for the first 7 years, and then may change based on annual interest rate adjustments. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to one of our mortgage loan officers.  After the initial fixed rate period, the rate may adjust.  The new rate for the 7 year adjustable rate loan will be calculated based on the index of the 1 year T-Bill (published in the Wall Street Journal), plus a margin of 2.875%.  The maximum rate over the life of the loan is the original rate plus 6%.

– Up to a 30 year amortization.

– NMLS #433894

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