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Adjustable Mortgages


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An adjustable-rate mortgage (ARM) offers a low initial interest rate and monthly payment. The rate and payment are fixed for the initial period of one, three or five years with annual adjustments thereafter based on an index such as the yield on U.S. Treasury Securities.  
Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARMs have periodic and lifetime rate caps to help you plan your payments.

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