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With an adjustable rate mortgage you can take advantage of a low rate, helping you maintain your buying power keeping rates and payments low, even as fixed rate mortgage rates increase.
Your rate is fixed for the first 5, 7 or 10 years of your mortgage depending on which mortgage you choose. After, the rate will increase or decrease every 6 months based on market factors. Regardless of what happens in the market, your rate will never be higher than 5% over your starting rate.