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A fixed-rate mortgage gives you a steady monthly principal-and-interest payment for the life of the loan—easy to budget and plan.

• Predictable payments
• Lower monthly payment vs. shorter fixed terms
• Great for long-term homeowners

Program availability, terms, and conditions are subject to change without notice. Your rate and payment depend on your credit profile, loan amount, and other factors.

Pay off your home faster and reduce total interest with a shorter fixed term. Payments are higher, but the savings can be substantial.

• Significant total interest savings
• Build equity faster
• Great for buyers comfortable with higher payments

Program availability, terms, and conditions are subject to change without notice. Your rate and payment depend on your credit profile, loan amount, and other factors.

Start with a fixed rate for the first five years; after that, your rate may adjust every five years based on market conditions, subject to caps.

• 5-year initial fixed period
• Adjusts every 5 years thereafter
• May offer a lower initial rate vs. fixed loans

ARM rates may increase after consummation. Index and margin, as well as caps and floors, apply per program terms.

Enjoy a longer fixed period up front—seven years—then the rate may adjust every six months based on the 30-day average SOFR index, subject to caps and other terms.

• 7-year initial fixed period
• Adjusts every 6 months thereafter
• SOFR-indexed with defined caps

ARM rates may increase after consummation. Index: 30-day average SOFR; current values subject to change. Initial cap 5.0000%; periodic cap 1.0000%; lifetime cap +5.0000% over initial rate. Margin 2.7500%.