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With an adjustable-rate mortgage (ARM), your loan will have an initial fixed-rate period. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset.
Mortgages Made Simple
Keegan Keeps It Real
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||RateShield Approval locks your client’s initial interest rate for up to 90 days on 30-year conventional, FHA and VA fixed-rate purchase loan products. Your client’s exact interest rate will depend on the date they lock their rate. Once your client submits their signed purchase agreement, we’ll compare their rate to our published rates for that date and re-lock their interest rate at the lower of the two rates for an additional 40 to 60 days. Additional conditions or exclusions may apply.
§Participation in the Verified Approval program is based on an underwriter’s comprehensive analysis of your credit, income, employment status, debt, property, insurance, appraisal and a satisfactory title report/search. If new information materially changes the underwriting decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Quicken Loans’ control, or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close, you will receive $1,000. This offer does not apply to new purchase loans submitted to Quicken Loans through a mortgage broker. Additional conditions or exclusions may apply. Verified Approval within 24 hours of receipt of all requested documentation.