Adjustable Rate Mortgages

Adjustable-rate mortgages, also known as ARMs, are loans in which the initially offered interest rate varies with the market after a set period of time, usually 3, 5, 7, or 10 years depending on the loan. This type of mortgage allows borrowers to take advantage lower initial interest rates and, therefore, lower monthly mortgage payments. This can be advantageous, as compared to a fixed-rate mortgage, for borrowers than plan to be in their home for only a short time or to refinance into a fixed-rate mortgage once interest rates adjust. Contact a BankSouth mortgage expert to determine if an ARM is right for you.


  • Take advantage of an initial lower interest rate

  • Low down payment options available

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Down Payment Assistance

Need help with your down payment? BankSouth Mortgage is pleased to offer down payment assistance programs to qualified borrowers

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