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PMI, Escrow, and large down payments often mean putting down a large lump sum early in the home buying process.\nFind Your Nearest Branch\nWhy get an ARM?\nWe offer 15 and 30-year ARM\nNo PMI (Private Mortgage Insurance) requirement\nNo escrow requirement\nConforming & Jumbo loans\nOnly a 10% minimum down payment required\nFind Your Nearest Branch: https://fnbct.bank/locations/\nFind Your Nearest Branch: https://fnbct.bank/locations/","sources":[{"snapshotId":"42149","sourceKind":"official_issuer","publisherName":"First National Bank of Central Texas","capturedAt":"2026-10-04T20:46:09.168Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://fnbct.bank/personal/mortgage/adjustable-rate-mortgages/","passageId":"5a2ed46d87e41bf78a26e6e40d9d7c7e","pageNumber":null,"quote":"Adjustable-Rate Mortgages","recordId":"official-issuer:page:url:d0ec6a2411ed5556be880f2e8da8c7c11199358fa6e84882d609681b20c26fc6","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"42149","sourceKind":"official_issuer","publisherName":"First National Bank of Central Texas","capturedAt":"2026-10-04T20:46:09.168Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://fnbct.bank/personal/mortgage/adjustable-rate-mortgages/","passageId":"425d8a4e1e93d672d6972221f44a438f","pageNumber":null,"quote":"Adjustable-rate mortgages are often more affordable upfront than fixed-rate mortgages. 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