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Adjustable rate mortgages (ARM)

With an adjustable rate mortgage from Quontic Bank, the interest rate may fluctuate on pre-determined dates to reflect market conditions. The initial interest rate is usually lower than that of a fixed rate mortgage and the initial interest rate can typically be locked in for different introductory periods. After the introductory period, though, the interest rate typically adjusts each year for the life of the loan. Homebuyers who think they might sell or refinance within a few years often gravitate to adjustable rate mortgages. Borrowers who think they can make larger monthly payments if the rate adjusts upward might also consider this type of mortgage.

Adjustable rate mortgages

  • For home purchase & refinance
  • Available for one- to four-family homes, condos & co-ops
  • Caps prevent rate from increasing too much or all at once
  • Foreign national borrowers welcome
  • Flexible debt service ratio calculation
  • Principal/Interest/Taxes/Insurance (PITI) reduction on multifamily property

And we don’t just help you find the right mortgage; we do all we can to make the mortgage process simple, fast and hassle-free! Our growing network of loan officers, led by our most senior executives, can also lend in all 50 states!

Get more options

For more information, speak to your Quontic Bank loan officer. Call 1-800-908-6600.

Ready to borrow? Get started now or find a loan officer near you.


Other resources

Fixed rate mortgages
Portfolio loans
'Lite Doc' loans (No tax returns needed!)
Foreign Nationals (Limited income verification!)
Condos & co-ops (New & non-warrantable OK!)
Jumbo & super jumbo
FHA loans (Low minimum down payment!)
VA loans
Reverse mortgages (Cash-out or home purchase)
Commercial Real Estate portfolio loans
First Home Club (Receive up to $7,500 toward your first home!)
Mortgage process
Mortgage checklist
Prequalify now

Disclosure: Prequalification provides you with an estimate of how much you can borrow to purchase a home, based on our preliminary review of credit information. This does not represent an offer to enter into a loan agreement. Loans subject to credit approval. Not all loan products or terms are available in all states. Normal credit qualifications and other terms and conditions apply. Products, rates & terms subject to change without notice. Information is accurate & effective as of September 2016 & is subject to change without notice.

"I had a good experience with Quontic Bank, and will consider this bank for future mortgage transactions," said Claribel B., a Quontic Bank mortgage customer.

Quontic Bank's George Stilianudakis with mortgage customers Emmanuel and Elaine Hirakis. Quontic Bank's George Stilianudakis with mortgage customers Emmanuel and Elaine H.


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