I refinanced my V.A. home XX/XX/XXXX under the XXXX. hybrid ARM. The United Security Financial Corporation or XXXX XXXX sent me a notice yesterday. They said under my contract my rates could increase to {$1000.00} according to my closing documents. Interest rates have begun to show a sign of increasing. I feel this is a deceptive practice. The rules with the XXXX. hybrid ARM are clear. My interest rate is locked in for 3 years. The rate can never increase any more than 1 percent per year. The rate can never go up over 5 percent. My initial rate was 1.75 %. My rate is subject to change on XXXX. 
