You will receive notification by mail approximately 210 to 240 days (7-8 months) prior to the effective date of the initial interest rate change. This notice will contain an estimate of your new interest rate and payment amount. You will also receive a notice between 60 and 120 days (2-3 months) prior to the effective date of the initial interest rate change. This notice will contain your exact interest rate. Going forward, you will receive an interest rate change notice between 60 and 120 days (2-3 months) prior to the effective date of each interest rate change throughout the life of your loan.