Conventional Adjustable Rate Mortgage

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The conventional adjustable rate mortgage has an interest rate tied to a margin and index and the rate and monthly payment can change over the life of the loan. Some adjustable rate loans offer an initial fixed rate period, typically from 3-10 years. At the end of this fixed rate period, the interest rate then adjusts on an annual basis for the remaining term of the loan. If your loan amount exceeds 80% of the value of your home, you are required to obtain private mortgage insurance on the loan.

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Mortgage Relationship Banking Team

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