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Adjustable-Rate Mortgage (ARM)

With an adjustable-rate mortgage, you can take advantage of competitive, variable interest rates and often lower initial monthly payments for a set period. The rate adjusts based on the term you select. Periodic rate caps guarantee the maximum allowable increase or decrease when the rate changes, and a lifetime cap determines the maximum allowable increase in the rate over the life of the loan.

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  • Set principal and interest payments for an initial period of time
  • Initial monthly payments may be lower for a period of time
  • Rate adjusts after initial introductory period
  • Finance up to 97% of your home’s purchase price
  • ARM loan rates and payments may change over time


Mortgage is subject to credit and property approval.


Click here to see our current mortgage rates. >
To learn more, please call our Residential Lending Department at (518) 584-5844 or .


Helpful Calculators

These calculators are good resources to use when looking at an adjustable-rate mortgage: