Here’s how it works:
If rates drop during the life of your fixed-rate mortgage, you have the option to lower your rate without having to refinance. This flexibility ensures that you don’t have to wait for the "perfect" rate to make your move.
- Lower your rate
- Lower your payment
- More affordable than a refi
- No limit to number of times you can adjust your rate.
DISCLOSURES AND TERMS
* Subject to credit approval. Rates are subject to change without notice. Modification programs are available with fixed mortgage products only and may be adjusted or discontinued at any time. Modification fee of 1.5% will be applied.

