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Commerce Home Mortgage, LLC is an equal opportunity lender, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150083; NMLS ID #1839. Main address: 3130 crow canyon place, Suite 400, San Ramon, CA 94583. CHM is a registered trade name of Commerce Home Mortgage, LLC.
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Also called a variable-rate mortgage, an adjustable-rate mortgage has an interest rate that may change periodically during the life of the loan in accordance with changes in an index such as the U.S. Prime Rate or the london interbank offered rate (LIBOR). Bank of America ARMs use LIBOR as the basis for ARM interest rate adjustments.