Mortgages

Fixed-Rate Mortgages

Keep your low rate no matter how much interest rates increase.

Adjustable-Rate Mortgages

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Fixed-Rate Mortgages Adjustable-Rate Mortgages Monthly payments Fixed for the life of your loan. Low monthly payments during initial fixed-rate period. When interest rates rise Your interest rate stays the same. On the 1- and 3-year ARM, rate goes up no more than 2% annually after the initial fixed-rate period and cannot rise more than 6% over the initial rate. On the 5- and 7-year ARM, rate goes up no more than 5% the first time after the initial fixed-rate period and no more than 2% annually after that, with a maximum change of 5% over the initial rate. You could also refinance or convert to a fixed-rate mortgage (Conversion option is not available with the "7/1 ARM" product). When interest rates fall No prepayment penalty for refinancing at a lower rate. For the 1- and 3-year ARM, rate goes down as much as 2% annually after the initial fixed-rate period and can go as low as 6% under the initial rate. For the 5- and 7- year ARM, rate goes down as much as 5% the first time after the initial fixed-rate period, as much as 2% annually after that to go as low as 5% under the initial rate. You can also refinance or convert to a fixed-rate mortgage (Conversion option is not available with the "7/1 ARM" product). Assumable No Yes Down payment As little as 5% down. As little as 5% down.