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Fixed-Rate Mortgages

A fixed-rate mortgage means the interest rate and principal payments remain the same for the entire life of the loan. (Taxes, of course, may change.) UMB offers a variety of fixed-rate mortgage terms, whether you prefer to pay less interest with a shorter term or make smaller payments each month with a long-term loan.



Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) means that the interest rate changes over the life of the loan — according to the terms specified in advance. UMB offers ARMs for customers who need to borrow more money at a lower interest rate than a fixed-rate loan provides. This option is particularly beneficial if you want a lower payment now, but are expecting to experience any of the following:
• Move prior to the term when the rate is adjusted,
• Expect your salary to increase in the future, or
• Intend to refinance after the initial term.

To discuss your mortgage options with a representative, call 1-800-860-4862. 

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