A Smart Choice…(1/1, 3/1, 5/1, 7/1, 10/1)

Homebuyer Benefits:

• Lower initial rates – purchase MORE house for your money.
• Lower payments - a smart choice if you have a high likelihood
  of selling or refinancing.
• Easier loan approval - lower monthly payments make it easier to qualify.
• No surprises - Adjustments at specified times during the life of the loan means you know exactly when to expect change and how high the change may be.
  

Enjoy lower ARM rates now, and switch to a Fixed Rate later.

Convertible ARM:

• Lower initial ARM rates and the option to convert to a fixed rate within the first 5 years of the loan.
• 7-day look back option allows YOU to decide when to convert!

Flexible Payment Options:

• Ask about the Interest-Only feature for your ARM.
• Buy down your interest rate with no additional cash required at closing with some programs.