OPTION ARM (Adjustable Rate Mortgage with Option Payments)
This mortgage puts you in control of your monthly payments.  Each month, an easy-to-read loan statement lets you choose one of our four payment amounts that best suits your payment situation.  Pay the minimum amount to free up funds for other uses, or make larger payments for faster equity build-up.  This loan is ideal if your income fluctuates or steadily increases over the years. It's your choice every month.