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Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 4/22/2022 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday. Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888) 999-1350.
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A narrows or narrow (used interchangeably but usually in the plural form), is a restricted land or water passage. Most commonly a narrows is a strait,[1] though it can also be a water gap.
A narrows may form where a stream passes through a tilted bed of hard rock lying between two softer beds: “[i]f the hard beds are vertical, so that their outcrop does not shift as erosion proceeds, a narrows is developed”.[2] Like a dam, this “raises the water level for a short distance upriver”.[3] A narrows is also typically a good location for trapping migrating fish.[4][5][6] Furthermore, a narrows is “an important topographical feature for wind mixing”,[7] an effect where a wind chill may form ice while the surrounding temperature remains above freezing.