Adjustable Loans

Adjustable loans are an option for homeowners and business owners. Because the loan is adjustable (meaning the interest rate can change), it provides flexibility that a conventional fixed loan may not have.

An adjustable loan may allow you to qualify for higher borrowing amounts than a fixed loan. Your initial monthly mortgage payments may be lower, and the payment may even go down if interest rates decline.

Of course, an adjustable rate mortgage can go up too, if rates increase. But you can set a shorter term for an adjustable—say, a year and a half, or three or five years, or other options—and this can lessen your risk exposure.

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