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Mortgages - Adjustable Rates

Adjustable Rate Mortgage - Full Closing Cost Program

Product
Initial Rate
Points
APR
Margin
Product5/1 LIBOR ARM
Initial Rate3.125%
Points0.000
APR3.186%
Margin2.250%
Product7/1 LIBOR ARM
Initial Rate3.125%
Points0.375
APR3.185%
Margin2.250%
Product10/1 LIBOR ARM
Initial Rate3.125%
Points0.625
APR3.185%
Margin2.250%

Rates accurate as of Rates are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation. Actual rates may vary.

All rates quoted are based on a single family, primary residence for properties located within Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, and Yates Counties in the state of New York that have a 60% loan to value (LTV) and at least a 740 credit score with a 45-day rate lock period. There are other credit based interest rates available for loan to values exceeding 60 Material changes in loan terms brought about by credit qualifications, collateral value, or other factors may void a rate lock.

Conventional Loans: Balance less than or equal to $484,350 for single family, owner occupied, and non-owner occupied; Balance less than or equal to $620,200 for two-family, owner occupied, and non-owner occupied.

Jumbo Loans: Balance over $484,350 for single family, owner occupied; balance over $620,200 for two-family, owner occupied.

Up to 95% LTV financing for Conventional Loans and 80% LTV for Jumbo Loans.

Payment Examples