Integrity First Financial Group: Mortgage
Mortgage Rate Assumptions
Low cost refinancing and low mortage rates
Integrity First 4.875% 4.928%
Bank of America 5.25% 5.326%
CitiMortgage 5.125% 5.317%
Quicken Loans 5.25% 5.404%
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Adjustable Rate Mortgage | Refinancing Adjustable Rate Mortgage (ARM)
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Adjustable Rate Mortgage (ARM)

When choosing a loan product it is important to understand the proposed program in its entirety. Where fixed rate mortgages tend to be straightforward adjustable rate mortgages often times tend to be misunderstood. Before choosing ARM review the information below to better understand the array of ARM products Integrity First Financial group offers.

10/1 ARM

This is an ideal option for borrowers who plan to keep the loan longer than seven but less than 10 years. The interest rate is fixed for the first 120 months of the loan's 360 month term. At the end of the 120 months, the interest rate adjusts to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%, or
  2. The initial start rate plus 5.00%

Thereafter, the interest rate will adjust every 12 months to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%
  2. The previous rate plus 2.00%, or
  3. The initial start rate plus 5.00%

7/1 ARM

This is an ideal option for borrowers who plan to keep the loan longer than five but less than seven years. The interest rate is fixed for the first 84 months of the loan's 360 month term. At the end of the 84 months, the interest rate adjusts to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%, or
  2. The initial start rate plus 5.00%.

Thereafter, the interest rate will adjust every 12 months to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%
  2. The previous rate plus 2.00%, or
  3. The initial start rate plus 5.00%

5/1 ARM

This is an ideal program for borrowers who plan to keep the loan longer than three but less than five years. The interest rate is fixed for the first 60 months of the loan's 360 month term. At the end of the 60 months, the interest rate adjusts to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%, or
  2. The initial start rate plus 5.00%

Thereafter, the interest rate will adjust every 12 months to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%
  2. The previous rate plus 2.00%, or
  3. The initial start rate plus 5.00%

3/1 ARM

This is an  ideal option for borrowers who plan to keep the loan for  longer than one but less than three years. The interest rate is fixed for the first 36 months of the loan's 360 month term. At the end of the 36 months, the interest rate adjusts to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%, or
  2. The initial start rate plus 2.00%

Thereafter, the interest rate will adjust every 12 months to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%
  2. The previous rate plus 2.00%, or
  3. The initial start rate plus 6.00%

1/1 ARM

this is an ideal option for borrowers who know they only internet to keep the loan for less than one year. The interest rate is fixed for the first 12 months of the loan's 360 month term. At the end of the 12 months, the interest rate adjusts to the lower of:

  1. The 1-Year LIBOR Index plus 2.75%, or
  2. The initial start rate plus 2.00%

Thereafter, the interest rate will adjust every 12 months to the lower of:

  1. The 1-Year LIBOR Index plus 2.25%
  2. The previous rate plus 2.00%, or
  3. The initial start rate plus 6.00%
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