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ADJUSTABLE RATE MORTGAGE Reference Articles:

Refinance an ARM Loan to a Fixed Rate Loan
There has been quite a bit of news coverage regarding Adjustable Rate Mortgages adjusting upward. There are many ways to refinance an ARM Loan to a Fixed Rate Loan. The next few paragraphs will exami

http://www.brokeroutpost.com/reference/191424.htm (Updated: 03/14/2008)
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FHA Refinancing
There has been quite a bit of news as of late regarding FHA Refinancing, particularly since President Bush announced the new FHASecure Initiative. FHA Refinancing is a great way to pay off a current

http://www.brokeroutpost.com/reference/175670.htm (Updated: 12/03/2007)
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My Mortgage Is Adjusting Up Too Much!
"My adjustable rate mortgage is adjusting up way too much!" That's a complaint Loan Officers are hearing a lot lately. You're not alone. Different estimates are that between 500 billion and 1 trillio

http://www.brokeroutpost.com/reference/57074.htm (Updated: 12/03/2007)
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My ARM loan is ready to adjust what should I do?
Over the course of the next few years there are going to be a lot of consumers who obtained ARM, adjustable rate mortgages, that are going to be getting ready to make their first adjustment. Also, the

http://www.brokeroutpost.com/reference/87008.htm (Updated: 10/09/2007)
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Best Fixed Rate
The best Fixed Rate refinance is not always going to be the quote with the lowest rate. When refinancing an adjustable rate mortgage, or ARM loan, to lock in a low fixed rate, a variety of other fact

http://www.brokeroutpost.com/reference/109736.htm (Updated: 10/09/2007)
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Is An Option ARM Good For Me?
It seems like everywhere you look lately you will see an advertisement that reads, "$150,000 refinancing for $381 month. Apply online today!". Just remember that, as your mother told you, "If it seems

http://www.brokeroutpost.com/reference/57104.htm (Updated: 10/09/2007)
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Credit Score 599
If you have a credit score of 599, or a credit credit score around 599, there are many loan programs that rae still available to you at competitive rates. Be it for a home purchase, to pay off an adj

http://www.brokeroutpost.com/reference/171832.htm (Updated: 10/06/2007)
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Bush Has Announced the FHASecure Initiative
Recently, President George Bush announced the FHASecure Initiative. This is an FHA-Insured loan program designed to help consumers who have fallen behind on mortgage payments due to their mortgage pa

http://www.brokeroutpost.com/reference/163070.htm (Updated: 10/05/2007)
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30 Year Fixed Rate
30 Year Fixed Rate mortgages are a "classic" mortgage option. While many people think of them as "traditional", when the 30 year fixed rate, fully amortizing principal & interest mortgage was int

http://www.brokeroutpost.com/reference/104784.htm (Updated: 09/04/2007)
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Homebuyer
A homebuyer is a person that buys a home. There are many things that a homebuyer needs to consider when they are in the process of buying a home. The type of mortgage program that you are considering

http://www.brokeroutpost.com/reference/153779.htm (Updated: 09/04/2007)
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ARM Rate Increase
The initial rate for an ARM mortgage is fixed for an introductory period ranging from 1 month to 10 or more years. Most Adjustable Rate Mortgages have a fixed, or "teaser" period of 2 or 3 years (2 2

http://www.brokeroutpost.com/reference/104945.htm (Updated: 09/03/2007)
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Refinance Adjustable to Fixed
An ARM, or Adjustable Rate Mortgage which is approaching the end of its introductory fixed rate period (usually 2 or 3 years from the purchase date or the date it was last refinanced) in 2007 or 2008

http://www.brokeroutpost.com/reference/104944.htm (Updated: 08/31/2007)
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Is it a bad time to refinance?
Is it a bad time to refinance? Are interest rates high right now? Some may say it is not a great time to refinance because the interest rates are slightly higher than they have been 6 months ago. O

http://www.brokeroutpost.com/reference/146421.htm (Updated: 08/03/2007)
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Refinance Out of an ARM
An unprecedented number of loans currently are set to adjust from the fixed portion of the loan to an adjustable rate. How do I refinance out of an ARM? What should I know about my ARM that is about

http://www.brokeroutpost.com/reference/140832.htm (Updated: 07/16/2007)
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5 year arm
A 5 year adjustable rate mortgage (ARM) is a 30 year mortgage whose rate is fixed for the first 5 years, then adjusts every 5 years. A 5 1 adjustable rate mortgage (ARM) is a 30 year mortgage whose r

http://www.brokeroutpost.com/reference/130546.htm (Updated: 07/12/2007)
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How Can I Get A Lower Payment?
For many people purchasing a home one of the most common questions is "How can I get a lower monthly payment?" There are many different options available that can help you get a lower payment. Some

http://www.brokeroutpost.com/reference/37790.htm (Updated: 07/08/2007)
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Adjustable Rate Mortgages
Adjustable rate mortgages otherwise known as a variable rate mortgages are a mortgage loan where the interest rate on the note is periodically adjusted based on an index.

http://www.brokeroutpost.com/reference/136816.htm (Updated: 06/30/2007)
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MTA Index Refinance
MTA stands for Monthly Treasury Average, and is also know as the MAT or 12 MAT. The MTA or MAT index is a relatively slow moving ARM index based on the 12 month average of the monthly average yields

http://www.brokeroutpost.com/reference/107005.htm (Updated: 06/24/2007)
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Interest Rates explained
Probably the most misunderstood concept in mortgages is the interest rate. And yet, probably nothing plays a bigger role in our entire financial system. The term “Interest Rate” itself is broad in

http://www.brokeroutpost.com/reference/135547.htm (Updated: 06/24/2007)
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Fixed Rate Loan
Fixed Rate Loans come in a few different shapes and sizes. If you are considering refinancing your adjustable rate mortgage to convert to a fixed rate loan, please review some of the most popular fix

http://www.brokeroutpost.com/reference/108469.htm (Updated: 06/23/2007)
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How Can an ARM Loan Benefit Me?
Often, mortgage borrowers want to avoid Adjustable Rate Mortgages (ARM's) at all cost. Most fail to realize how an ARM loan may actually benefit them over a traditional 15 or 30 year fixed loan.

http://www.brokeroutpost.com/reference/28590.htm (Updated: 06/22/2007)
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Indexes Explained
There are several indexes that a lender may use for your adjustable rate mortgage (ARM). Although lenders can choose from a variety of indexes for your ARM, most likely you will not be able to reques

http://www.brokeroutpost.com/reference/25191.htm (Updated: 06/01/2007)
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LIBOR
LIBOR is the London Interbank Offered Rate. LIBOR is the rate charged by one bank to another for lending money. The LIBOR is an international index that follows world economic conditions. LIBOR-indexe

http://www.brokeroutpost.com/reference/20299.htm (Updated: 05/31/2007)

What is a Pay option ARM
A Pay Option ARM is an adjustable rate mortgage that gives the borrower the option of selecting how much to pay each month based on different loan options. The borrower can choose any one of the diffe

http://www.brokeroutpost.com/reference/22657.htm (Updated: 05/31/2007)
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ARM Adjustment Caps
ARM loans, or Adjustable Rate Mortgage products, all have a feature known generally as "caps" which can greatly influence the amount your payment can go up immediately after the fixed introductory per

http://www.brokeroutpost.com/reference/105900.htm (Updated: 05/30/2007)
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5 year adjustable rate mortgage
A five year ARM is a loan that has a fixed period for five years, and then adjusts periodically for the rest of the life of the loan. During the fixed period, your interest rate won't change.

http://www.brokeroutpost.com/reference/27352.htm (Updated: 05/28/2007)
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Fixed Rate Refinance
Why should you consider a fixed rate refinance for your current ARM Adjustable Rate Mortgage? If you aren't concerned with rising adjustable mortgage rates, there's a good chance you should be. Adjus

http://www.brokeroutpost.com/reference/104649.htm (Updated: 05/28/2007)
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ARM - Index
ARM loans, or Adjustable Rate Mortgages almost all have a feature which can greatly affect how much your monthly mortgage payment or mortgage rate may increase after the introductory fixed rate period

http://www.brokeroutpost.com/reference/105909.htm (Updated: 05/26/2007)
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Stated Income Loan
Stated income loan programs are offered on fixed rate mortgages, adjustable rate mortgages, or on negative amortization mortgages. They do not require income verification.

http://www.brokeroutpost.com/reference/11090.htm (Updated: 05/26/2007)

Is an ARM the right loan for me?
Deciding if an Adjustable Rate Mortgage (ARM) is right for you will depend on your personal financial situation. Once your financial goals are decided then the terms of the ARM will also come into pl

http://www.brokeroutpost.com/reference/37344.htm (Updated: 05/25/2007)
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2/28 Adjustable Rate Mortgage
A 2 28 arm is a mortgage that has a fixed rate for the first two years, and then the interest rate adjusts for the next 28 years. This completes the full 30 year term of the loan.

http://www.brokeroutpost.com/reference/27353.htm (Updated: 05/25/2007)
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Refinance Out of An Adjustable With A Fixed
Everywhere you look, economists believe rising interest rates are imminent. According to popular believes, when Adjustable Rate Mortgages (ARM) start to adjust, the new interest rates will be signifi

http://www.brokeroutpost.com/reference/27364.htm (Updated: 05/22/2007)
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Adjustable Rate Mortgage
The adjustable rate mortgage or ARM is a mortgage in which the interest rate is adjusted periodically based on a pre-selected index. The index could be for example the one year treasury, cd rates or e

http://www.brokeroutpost.com/reference/11371.htm (Updated: 05/21/2007)

ARM Adjustable Rate Mortgage
Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the Change in monthl

http://www.brokeroutpost.com/reference/10975.htm (Updated: 05/14/2007)

Adjustable Rate Mortgage Calculations
Calculating the current interest rate for an Adjustable Rate Mortgage requires information found on your ARM rider usually attached to your mortgage.

http://www.brokeroutpost.com/reference/123186.htm (Updated: 05/13/2007)
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3/27 Adjustable Rate Mortgage
A 3 27 ARM is a mortgage that is initially a fixed rate (for the first 3 years), and then adjusts for the next 27 years. During the 3 year fixed period, the rate will not change, and neither will you

http://www.brokeroutpost.com/reference/27354.htm (Updated: 04/28/2007)
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Fixed Rate vs. ARM
There are many different options available when shopping for a mortgage, but one of the most basic choices potential borrowers face is the choice between a fixed rate or an adjustable rate mortgage.

http://www.brokeroutpost.com/reference/52426.htm (Updated: 04/09/2007)
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Fixed Rate Mortgage Or Adustable Rate Mortgage?
Borrowers have there choice of many different loan programs today. The most common choice is between a fixed rate mortgage and an Adjustable Rate Mortgage (ARM). Choosing between the two mortgages dep

http://www.brokeroutpost.com/reference/47289.htm (Updated: 04/02/2007)

Fix Rate
Refinancing to Fix Rate on Adjustable ARM Mortgage Adustable Rate Mortgages, with their variable interest rates and payments, are looking more risky in today's rising rate financial environment. M

http://www.brokeroutpost.com/reference/110187.htm (Updated: 03/31/2007)
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5 Year Fixed Rate Hybrid Mortgage
a mortgage program in which the interest rate remains the same for the initial 5 years. At the end of the fifth year, the mortgage turns into an Adjustable Rate Mortgage for the remainder of the loan

http://www.brokeroutpost.com/reference/25189.htm (Updated: 03/16/2007)
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Refinancing your home
Refinancing your home is a very common and popular thing. There are many, many benefits to refinancing your home. One benefit of refinancing your home is to switch from an adjustable rate mortgage to

http://www.brokeroutpost.com/reference/86278.htm (Updated: 02/24/2007)
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1% Mortgage Refinancing
1% mortgages are widely advertised, and for many borrowers offer the opportunity to unlock their home equity on an ongoing basis by deferring interest in exchange for additional cash flow. 1% mortgag

http://www.brokeroutpost.com/reference/94219.htm (Updated: 02/22/2007)
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ARM Refinancing
With so many consumers obtaining adjustable rate mortgages over the past few years there are millions of consumers whose mortgages are getting ready to make their first adjustments coming up soon. The

http://www.brokeroutpost.com/reference/83266.htm (Updated: 01/25/2007)
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How does an adjustable rate work?
Understanding how an adjustable rate mortgage (ARM) works can help you when shopping for a mortgage. The basic components of an ARM are the INDEX, MARGIN and RATE. In addition to those things, you al

http://www.brokeroutpost.com/reference/69260.htm (Updated: 01/14/2007)

Five Reasons to Refinance
Five Reasons to Refinance Your Mortgage There is an old adage that says if you can improve your interest rate by at least two percentage points, then it is a good time to refinance. While that may

http://www.brokeroutpost.com/reference/18622.htm (Updated: 06/12/2006)

Misleading marketing to watch out for
There are many unethical mortgage brokers and loan officers in the industry. They often use misleading marketing and ethically questionable tactics to get your business. Here are just a few things a

http://www.brokeroutpost.com/reference/27802.htm (Updated: 03/17/2006)
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ARMs Explained
ARM is an acronym for adjustable rate mortgage. ARMs are mortgage that are tied to a certain index, and will adjust at different periods based on certain economic factors.

http://www.brokeroutpost.com/reference/27172.htm (Updated: 03/15/2006)
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Indexes
An index is the published interest rate to which the interest rate on an Adjustable Rate Mortgage (ARM) is tied. Some examples of common indexes are: LIBOR, PRIME, COFI, MTA, etc...

http://www.brokeroutpost.com/reference/20301.htm (Updated: 02/19/2006)

Hybrid Mortgage
Variable or adjustable rate mortgage whose interest rate is fixed for a 3, 5, 7, or 10 year period.

http://www.brokeroutpost.com/reference/11089.htm (Updated: 02/19/2006)

How to choose an ARM Loan
You will usually have 4 choices of Adjustable Rate Mortgages(ARMs) offered: 3 1, 5 1, 7 1 and 10 1. The numbers used to describe the ARMs refer to the period for which the initial rate holds, and the

http://www.brokeroutpost.com/reference/20154.htm (Updated: 02/17/2006)

CAPS
Consumer safeguards limiting the amount monthly payments on an adjustable rate mortgage may change during the life on the mortgage. CAPS are usually only seen on Adjustable Rate Mortgages (ARM's)

http://www.brokeroutpost.com/reference/16863.htm (Updated: 02/10/2006)

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