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• 1/1 Adjustable-Rate Mortgage Texas Veritas offers a full range of fixed-period adjustable-rate mortgage products to fit your needs. Fixed-period adjustable-rate mortgages have an initial fixed-rate period, after which the rate may adjust either upwards or downwards annually, based on the cap structure and the index chosen. Lender Benefits Offer a competitive alternative to balloons or other fixed-rate mortgage options Expand your ARM market by offering multiple index options Qualify borrowers with lower rates Qualify borrowers for larger loan balances Consumer Benefits Interest-savings in the short-run compared to comparable fixed-rate loans Terms and features to suit almost any borrowers' needs Qualify for higher loan amounts with lower interest rates than comparable fixed-rate loans