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5.25 % 5/1 ARM Rates as low as ( 6.267 APR* ) 5 Year Initial Fixed Period
*Annual Percentage Rate (APR) is accurate as of 1/9/2026. Loan amount may not exceed 80% loan to value. Payments are estimates and include only principal and interest for loan amount of $150,000 for a 30-year term. Flood and/or property hazard insurance may be required. Rates and terms very depending upon loan to value ratio, credit, and underwriting requirements, and may change without notice. Available for both purchase and refinance owner occupied transactions. The initial monthly payment of principal and interest would be $828.44. Taxes and insurance are not included; the actual payment obligation will be greater. Beginning in year 6 the rate and payment adjust every year. The rate will change based on adding the then current index value and the loan margin, rounded up or down to the nearest 1/8%, but may not change more than 1% in any one change. The rate may not change more than 5% over the life of the loan. The monthly payment in year 6 would be $912 if all prior payments were made as scheduled and the rate went up the maximum increase amount allowed of 1%. Uses WSJ Prime Rate Index.
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BASTROP CEDAR CREEK EDITION
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