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Our offices will be closed on Thursday, November 28, in observance of the Thanksgiving Holiday.Start with a lower interest rate and lower monthly payments.
If you’re buying a home and want lower payments than a traditional mortgage, our Adjustable Rate Mortgage (ARM) may be a smart choice. Adjustable rate mortgages (ARMs), also known as variable-rate mortgages, begin with a lower interest rate and lower monthly payments for a set period and then have a variable interest rate that may change periodically depending on financial index changes. Generally speaking, your rate and monthly payment may increase or decrease if the index rate goes up or down, and will continue to adjust once every six months for life of the loan.
ARM example:
In a 3/6 ARM, the 3 stands for an initial 3-year period during which the interest rate remains fixed while the 6 shows that the interest rate is subject to change once every six months thereafter.
In mid-2023, financial institutions around the world will phase out LIBOR (London Interbank Offered Rate). Learn how this transition may impact Adjustable Rate Mortgage loans.
Contact a mortgage professional. We're in your neighborhood!
Renting an apartment or a home? The money you’re putting into your landlord’s pocket can add up. See how much you could be saving towards your dream home.
Purchasing a home is one the largest expenses you’ll make in a lifetime. Where do you begin? Check out our step-by-step guide to putting you on the path of home ownership.
As a financial institution, we know that change adds up. Our Fulton Forward initiative is about partnering with organizations to help foster affordable housing, drive economic development, and promote financial literacy in our communities.
It's easy to take the first step toward your new home. Use our online application to apply today. View our homebuying document checklist before applying to make the application process easier.
