Fixed- and Adjustable-Rate Mortgages

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Fixed-rate

When you opt for a fixed rate mortgage, you’re choosing a loan with an interest rate that won’t change. You lock in a mortgage rate and you keep that rate for the life of the loan. That means you’ll consistently pay the same monthly mortgage for as long as you keep your home (that payment can fluctuate slightly if the amount you pay in taxes or insurance changes).

Common terms for a fixed-rate mortgage are 15- and 30-years.

Adjustable-rate

Choosing an Adjustable Rate Mortgage (ARM)¹ means your loan will start out with the rate you lock in at the beginning of your loan process. You choose an initial fixed rate period (usually 5, 7 or 10 years) during which you’re charged the interest rate you locked. After that initial fixed rate period, your rate adjusts every six months according to the market, but typically has a max rate cap. That means after the fixed rate period ends, your monthly mortgage payment can fluctuate every six months.

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Fill out the form below or call 1-800-914-8224 to get in contact with the Mortgage Services team.

Find a Mortgage Lender in Your Area

Ali Cook

AVP, Mortgage Loan Originator

(404) 326-9964 Email

Betsy Kelly

Mortgage Originator

(706) 697-7323 Email

Carolyn Swanner

VP, Mortgage Originator

(828) 698-5684 Email

Cindy Stone

VP, Mortgage Originator

(706) 632-4506 Email

Courtney Johnston

VP, Mortgage Loan Originator

(423) 339-5464 Email

David Jolly

Mortgage Originator

(404) 483-5729 Email

David Turner

VP, Mortgage Originator

(678) 567-2000 Email

Donna Robertson

AVP, Mortgage Loan Originator

(770) 995-3830 Email

Doug Schoonmaker

VP, Mortgage Originator/Area Sales Manager

(919) 656-0822 Email

Dwight Fortenberry

Mortgage Originator

(864) 221-7426 Email

Gwenn Lanning

VP, Mortgage Originator

(828) 862-5235 Email

Jason Blodgett

VP, Mortgage Originator

(864) 591-5248 Email

Jennifer Badger

Mortgage Originator

(828) 837-9291 Email

Jenny Keenan

VP, Mortgage Originator/Regional Sales Manager

(770) 338-7657 Email

Scott Sharp

AVP, Mortgage Loan Originator

(706) 697-7340 Email

Kara Nungesser

AVP, Mortgage Loan Originator

(843) 276-7283 Email

Lisa Mericle

VP, Mortgage Originator

(912) 634-7014 Email

Tabitha Helms

VP, Mortgage Originator

706-236-3792 Email

Susan Visi

Mortgage Loan Originator

(706) 865-3151 Email

Lisa Pittman

VP, Mortgage Originator

(828) 733-9281 Email

Susan Barkley

VP, Mortgage Originator

(678) 989-3635 Email

Scott Nation

VP, Mortgage Originator/Regional Sales Manager

(770) 877-7985 Email

Ryan Hulton

VP, Mortgage Originator/Regional Sales Manager

(423) 339-5465 Email

Roseanne Smith

VP, Mortgage Originator

(770) 794-3450 Email

Kitty Mauzy

AVP, Mortgage Loan Originator

(706) 439-2185 Email

Renee Burgess

VP, Mortgage Originator

(706) 253-9393 Email

Paula Buckles

Mortgage Loan Originator

(864) 646-2106 Email

Paul Secondi

AVP, Mortgage Loan Originator

(770) 833-9726 Email

Mikell Richards

VP, Mortgage Originator/Regional Sales Manager

(843) 800-6042 Email

Jim Hanrahan

Mortgage Originator

(843) 513-1986 Email

Ryan Smith

VP, Mortgage Originator

(919) 601-3780 Email

Blake McPherson

Mortgage Loan Originator

(423) 339-5466 Email

Matt Burns

Mortgage Originator

(843) 839-6589 Email

Bob Alman

Mortgage Loan Originator

(678) 714-4385 Email

Kim Witte

VP, Mortgage Loan Originator

(404) 906-4553 Email

Angie Abston

VP, Mortgage Originator

(865) 271-1618 Email

Dan Hegeman

Mortgage Originator

(984) 867-8438 Email

Patti Peterson

VP, Mortgage Loan Originator

(828) 682-5126 Email

Bart Poynor

Mortgage Originator

(919) 235-7525 Email

Kathy McClure

Mortgage Loan Originator

(706) 212-2462 Email

Beth Cunningham

Mortgage Loan Originator

(919) 368-5107 Email

Jennine Hunter

AVP, Mortgage Loan Originator

(317) 529-5393 Email

Bailey Boshers

Mortgage Loan Originator

(931) 797-9250 Email

Anna Robison

Mortgage Loan Originator

(615) 512-3060 Email

Marie Spafford

Mortgage Loan Originator

(615) 202-6016 Email

Jamie Pimentel

Mortgage Services - Area Sales Manager

(864) 250-6086 Email

Eric Dunlap

Mortgage Loan Originator

(770) 978-5389 Email

Kevin Bennett

Mortgage Loan Originator

(470) 900-6644 Email

Kelvin Goodwin

Mortgage Loan Originator

(404) 454-7805 Email

Ginny B. Terry

Mortgage Loan Originator

(256) 319-3624 Email

Woody Woodfin

SVP, Regional Sales Manager

(205) 705-1605 Email

Steve Ledford

Mortgage Loan Originator

863-581-7097 Email

Jeff Burgess

Mortgage Loan Originator

(984) 867-8424 Email

Erica Smith

Mortgage Loan Originator

(205) 393-9425 Email

Matt Meissner

Mortgage Area Sales Manager

(205) 886-5251 Email

Joy Hutsell-Banks

VP, Mortgage Originator

865-458-7011 Email

Bobby Matthews, Jr.

VP, Regional Sales Manager

615-425-4367 Email

Nick Morrone

Mortgage Loan Originator

678-367-1059 Email

Russell Carmichael

Mortgage Loan Originator

256-319-4909 Email

Bryan Segers

Mortgage Loan Originator

704-430-0198 Email

Craig Bland

Mortgage Loan Originator

984-867-8426 Email

Brianna Grizzle

Mortgage Loan Originator

770-877-7987 Email

Cathy Edwards

Mortgage Loan Originator

984-867-8435 Email

Fiorella Rastelli

Mortgage Loan Originator

984-867-8432 Email

Michael Dietz

Regional Sales Manager

727-244-2736 Email

Looking for another option?

Jumbo Loans

We offer higher-than-conventional loan limit options for those dreaming BIG. Whether you are buying, refinancing or finally adding that movie theater room, we have the fixed-rate and ARM options to fit your unique needs.

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VA Mortgage Loan

You have served us, so let us to support you. For all past and present military members, and surviving spouses who are looking for help with buying a new home, we can assist you with a VA Mortgage Loan. Take advantage of potentially no down payments or mortgage insurance, low fixed rates and various repayment options.

Learn More

Cash-Out Refinance

When you choose a cash-out refinance, you replace your current home loan with a new mortgage for more than you owe on your home. At closing, you receive the difference in cash. This type of refinancing allows homeowners to access equity built in their property. It's a way to utilize the value of your home for various financial needs or investments.

Learn More

ARM loans are variable rate loans. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every six months according to the market index. Any change may significantly impact your monthly payment.
²Terms listed apply to primary homes only. Restrictions apply. Not all borrowers will qualify. This is not a commitment to lend.