The interest rate you pay is adjusted from time to time to keep it in line with changing market rates. This means that when interest rates go up, your monthly home loan payments may go up. And when interest rates go down, your monthly home loan payments may go down.

Now, that might sound frightening if you've ever lived in an era when interest rates shot up dramatically, but Avrus Financial & Mortgage Services, Inc.® ARMs have built-in features that reduce the risk your rate will ever go too high.