Adjustable-rate mortgages offer flexibility.

The interest on an adjustable-rate mortgage (ARM) typically resets after a fixed initial period and every year thereafter. But an ARM offers the potential to save you money with lower payments over the short term.



  • Can be ideal for homeowners who only need the loan for a few years

  • Lower starting interest rate is fixed for an initial period of time


  • Interest rate is fixed only for an initial period of time

  • Payments could vary over time

Get guidance

Deciding between a fixed-rate mortgage and an adjustable-rate mortgage (ARM) depends on your finances, Spending habits and lifestyle. For example, how long do you plan to stay in your home, how confident are you in your knowledge of the economy and can you afford any changes in your monthly mortgage payment?

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If you want to pay less for your next home, having a good credit score is key. You may end up with a lower mortgage rate, less expensive mortgage insurance and even more affordable homeowner's insurance. Here's how to help improve your credit score to get the most for your money when buying a home.

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