Mortgage Options

Overview

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Account type Fixed-Rate
Mortgage
Adjustable-Rate
Mortgage
Jumbo Loan Construction-to-Permanent
Mortgage
Best if you want A mortgage with a fixed monthly payment and interest rate A mortgage that offers lower monthly payments and lower interest rates during an initial period, after which time rates are readjusted regularly To purchase or refinance a home, though you already have an existing mortgage over $417,000 Low closing costs for both the construction and permanent financing of your new home
Terms Flexible terms, both long and short 5/1 ARM1
7/1 ARM
10/1 ARM
5/1 ARM1
7/1 ARM
10/1 ARM
Terms vary; up to 12-month construction terms available
Rates Current Rates Current Rates Current Rates Talk to a mortgage banker for current rates.
Additional benefits
  • Simple application process
  • Choice of when to lock in the interest rate
  • Selection of repayment schedules
  • Flexibility to use funds other than your own for the down payment and closing costs
  • Simple application process
  • Variety of rate adjustment schedules
  • Periodic or lifetime interest rate ceilings
  • Protection against large rate fluctuations
  • Simple application process
  • Potential to increase loan-to-value ratio up to 90%
  • Possibility of lowering your mortgage interest rates
  • Interest-only payments during construction phase
  • Variety of fixed or adjustable rates
  • Potential to include land purchase and/or closing costs in the loan amount

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