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Mortgages - Adjustable Rates

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Adjustable Rate Mortgage - Full Closing Cost Program

Product Initial Rate Points APR Margin
5/6-Month SOFR Adjustable Rate Mortgage (ARM) 2.625% 0.250 2.685% 3.000%
7/6-Month SOFR Adjustable Rate Mortgage (ARM) 2.625% 0.000 2.685% 3.000%
10/6-Month SOFR Adjustable Rate Mortgage (ARM) 2.625% 0.125 2.684% 3.000%

Purchase interest rates accurate as of Refinance interest rates are not displayed and will be different from purchases. Actual Rates will fluctuate throughout the day and are subject to change without notice.

Annual Percentage Rates (APRs) are subject to credit evaluation.

All rates quoted are based on a purchase of 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 60-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 $548,250 for single family, owner occupied, and non-owner occupied; Balance less than or equal to $702,000 for two-family, owner occupied, and non-owner occupied.

Jumbo Loans: Balance over $548,250 for single family, owner occupied; balance over $702,000 for two-family, owner occupied.

Payment Examples