1 Year ARM w/0 Points The APR is based upon a $100,000 mortgage and a 20% down payment.  The interest rate may increase or decrease after the first 12 months of the loan.   Repayment is based upon 12 payments at $536.82 , and 348 payments at $536.82 .           Certain restrictions apply and availability of this program is subject to change without notice. Back   1 Year ARM w/1 Point Back The APR is based upon a $100,000 mortgage and a 20% down payment.  The interest rate may increase or decrease after the first 12 months of the loan.   Repayment is based upon 12 payments at $521.65 , and 348 payments at $536.45 .      Certain restrictions apply and availability of this program is subject to change without notice.   3 Year ARM w/0 Points Back The APR is based upon a $100,000 mortgage and a 20% down payment.  The interest rate may increase or decrease after the first 36 months of the loan.   Repayment is based upon 36 payments at $552.20 , and 324 payments at $537.92 .       Certain restrictions apply and availability of this program is subject to change without notice.   3 Year ARM w/1 Points Back The APR is based upon a $100,000 mortgage and a 20% down payment.  The interest rate may increase or decrease after the first 36 months of the loan.   Repayment is based upon 36 payments at $536.82 , and 324 payments at $536.82 .             Certain restrictions apply and availability of this program is subject to change without notice.   5 Year ARM w/0 Points Back The APR is based upon a $100,000 mortgage and a 20% down payment.  The interest rate may increase or decrease after the first 60 months of the loan.   Repayment is based upon 60 payments at $567.79 , and 300 payments at $540.52 .     Certain restrictions apply and availability of this program is subject to change without notice.   5 Year ARM w/1 Points Back