ARM MORTGAGE

ENJOY THE LOWEST APR IN DECREASING RATE ENVIRONMENTS.

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It's a loan with some serious flexibility.

An ARM (Adjustable Rate Mortgage) allows you to ride down rates in a declining rate environment. Your rate is locked for the first one, three, five, seven or ten years and then interest rates adjust depending on the chosen ARM.

ARM Terms / Descriptions:

One-Year - Rate locked for first year, rate raise of 2% maximum annually, and 6% lifetime.
Three-Year - Rate locked for first three years, rate raise of 2% maximum annually, and 6% lifetime.
Five-Year - Rate locked for the first five years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.
Seven-Year - Rate locked for the first seven years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.
Ten-Year - Rate locked for the first ten years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.

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Low starting interest rates
30-year term
Tax-deductible interestϮ
Initial interest rate locked for first one, three, five, seven or ten years depending on ARM of your choice
Rate maximum adjustment of 2% annually and 6% maximum over the life of the loan
Maximum loan amount of $750,000

Ϯ	Contact your tax advisor regarding tax deductability.

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