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Wintrust Mortgage offers adjustable rate mortgages (ARMs) with fixed terms for three, five, seven or ten years and then adjusted periodically based on changes in a pre-selected index, most commonly, Treasury, LIBOR and COFI.
ARMs have lower initial interest rates during the fixed term than long-term fixed loans, which means a lower monthly payment. These loans can be great for first-time homebuyers or those who plan to spend a few years in a home before moving to something new.
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