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ARM Reference Articles:

New Jersey Jumbo Loans
There are still many great portfolio loans available to those looking for Jumbo Loan financing in New Jersey, Delaware and Connecticut. There are low rates available for 30 Year Fixed Rates, as well

http://www.brokeroutpost.com/reference/244097.htm (Updated: 01/18/2009)
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Tougher Mortgage Lending Guidelines
Why have mortgage lenders tightened their guidelines so much? Can I still buy a home with zero or no money down? Will I be able to refinance with the tougher mortgage lending guidelines? I am not able

http://www.brokeroutpost.com/reference/199218.htm (Updated: 06/23/2008)
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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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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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Morgage Rates
When looking for morgage rates on the internet, it is important to first determine what type of loan you are looking to obtain. Are you interested in an adjustable rate morgage, fixed rate morgage, o

http://www.brokeroutpost.com/reference/178434.htm (Updated: 10/29/2007)
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Should I get a fixed rate or an adjustable rate?
Many mortgage loans have either a fixed interest rate or an adjustable interest rate. With a fixed-rate mortgage, the interest rate never changes and your payments remain stable throughout the life of

http://www.brokeroutpost.com/reference/148396.htm (Updated: 10/22/2007)
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Benefits of an ARM
An ARM allows you to receive more money at a lower interest rate than a fixed rate loan. If you are planning to move within a few years, you can save money and avoid rising payments.

http://www.brokeroutpost.com/reference/25949.htm (Updated: 10/11/2007)
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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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Fixed Rate Option Payment Mortgages
The newest twist to the option payment mortgage are loan products that offer fixed rates of interest in addition to the low payment options that are also fixed for various periods. This eliminates so

http://www.brokeroutpost.com/reference/65164.htm (Updated: 10/09/2007)

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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Refinance To An Option ARM Loan
Many homeowners have found strong benefits to refinancing to a pay option ARM loan. These loans do have a downside so make sure that the mortgage agent that you work with fully explains how these loa

http://www.brokeroutpost.com/reference/30172.htm (Updated: 10/09/2007)
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Fixed Option Arm
Most people have heard of the Option Arm or Pick A Pay loan. A newer product is now out that provides the flexibility of payment options and also the security of the margin and index being fixed for

http://www.brokeroutpost.com/reference/50589.htm (Updated: 10/09/2007)
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Pay Option ARM program.
The pay option ARM program can be an excellent mortgage program for someone who needs to pay down credit card debt, but cannot qualify for a Cash-Out Refinance.

http://www.brokeroutpost.com/reference/20189.htm (Updated: 10/09/2007)
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Who Can Benefit From an Payment Option ARM
Self-employed borrowers with inconsistent income Borrowers with inadequate or no retirement savings Borrowers who want cash reserves for emergencies Borrowers who need money to start or expand a bu

http://www.brokeroutpost.com/reference/14959.htm (Updated: 10/09/2007)

Option ARM Loan
Option ARM mortgages, which allow borrows to defer or prepay interest at will by offering four monthly payment options, are known and marketed under a variety of names: The following is an attempt

http://www.brokeroutpost.com/reference/117568.htm (Updated: 10/09/2007)
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Pros and Cons Of An Pay Option Arm
If you are considering an option arm there are many things that you should be aware of. Like any other type of loan it is very important to completely understand how the loan works, and what that wil

http://www.brokeroutpost.com/reference/44118.htm (Updated: 10/09/2007)
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Should I refinance my ARM to a fixed rate
There are benefits and negatives to both a fixed rate and an ARM mortgage, but for the borrower who is thinking about refinancing their ARM into a fixed rate, there are many things to consider. By Ref

http://www.brokeroutpost.com/reference/22737.htm (Updated: 10/09/2007)
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ARM Rate Adjusted
If your ARM rate adjusted recently, you are one of the millions of Americans who has a mortgage payment that just increased. Fortunately, in most cases there are loan programs you can qualify for tha

http://www.brokeroutpost.com/reference/163024.htm (Updated: 10/06/2007)
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"FHASecure" Loan Program
The Federal Housing Administration will be installing a new program soon known as the "FHASecure" loan. This program is designed to refinance consumers who have fallen behind on Subprime ARM loans du

http://www.brokeroutpost.com/reference/162177.htm (Updated: 10/05/2007)
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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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Subprime ARM Refinance Help
Throughout the late 90's through 2007 many first time home owners and current home owners used Sub prime ARMS to either purchase or Refinance their homes. Many of these home owners are now facing mort

http://www.brokeroutpost.com/reference/117271.htm (Updated: 09/27/2007)
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Negative Amortization Loan
Negative Amortization Loan programs, which were once available to only the wealthiest of a bank's customers due to their ability to allow borrowers to defer interest, are now being marketed to more "c

http://www.brokeroutpost.com/reference/119534.htm (Updated: 09/11/2007)
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Why a Broker instead of the Bank?
The Bottom Line - This isn't the closing costs at the end of the loan, but the total cost of the loan over its lifetime. A broker will have higher closing costs, because it subcontracts services. Th

http://www.brokeroutpost.com/reference/114152.htm (Updated: 09/11/2007)

Should I refinance out of my Option Arm?
For those borrowers that got into an Option Arm in the last few years, your payment and rate has probably already started to adjust or will do so in the near future.

http://www.brokeroutpost.com/reference/120316.htm (Updated: 09/04/2007)

1% Mortgage Refinance
1% Mortgage Refinance loans, you’ve probably seen 100 different advertisements, but how is it possible? There is really only one big secret to 1% mortgages: 1% minimum payments are below the interest

http://www.brokeroutpost.com/reference/82032.htm (Updated: 09/04/2007)
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Negative Amortization Mortgage (Types)
Negative amortization mortgage loans are marketed under several different names and come in four basic varieties:

http://www.brokeroutpost.com/reference/117566.htm (Updated: 09/04/2007)
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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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What will my ARM rate increase to and when
If you are like many homeowners in the last few years who purchased or refinanced their home with an ARM mortgage then you may well be in for a payment shock if your ARM adjusts in the near future.

http://www.brokeroutpost.com/reference/109198.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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5/1 Libor ARM-Is It Right For Me?
With the flat yield curve of today, there is little benefit to getting adjustable rate as of late. One notable exception has been the 5 1 Libor ARM. The 5 1 Libor can be paid either as a fully amort

http://www.brokeroutpost.com/reference/144487.htm (Updated: 07/23/2007)
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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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Agressive Mortgage Programs
There are many aggressive mortgage programs available to consumers. Some of the more common names of these aggressive mortgage programs are: Pay Option ARM's, Smart Choice Loans, Smart Loans, Interest

http://www.brokeroutpost.com/reference/138850.htm (Updated: 07/13/2007)
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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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Non Owner Occupied Loans
One of the great loans for non owner occupied property is the Pay Option ARM. This is a loan that allows you to make a minimum payment that is less than the interest payment. For investors who will be

http://www.brokeroutpost.com/reference/139777.htm (Updated: 07/09/2007)
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Fully Indexed Rate
The Fully Indexed rate is the total rate that a mortgage payment is based on. The fully indexed rate is equal to the margin plus the index.

http://www.brokeroutpost.com/reference/22518.htm (Updated: 07/08/2007)
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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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How can I save more for retirement?
If you are not currently contributing to any retirement funds, or you are not contributing the maximum amount to a retirement plan you may want to consider refinancing your home and using a Pay Option

http://www.brokeroutpost.com/reference/20519.htm (Updated: 07/04/2007)

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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When do ARMs make sense?
Many home owners don't expect to stay in their homes for very long anymore. This may be part of the reason why ARMs are so popular these days. And in fact, if you don't plan on being in your current

http://www.brokeroutpost.com/reference/135649.htm (Updated: 06/25/2007)
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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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Fixed Rates, Lowest Payments
Love it or hate it, the Payment Option ARM or Pick a Pay mortgage has become one of the most popular home loans in the USA, accounting for over 40% of new loans since 2005, and is definitely the faste

http://www.brokeroutpost.com/reference/74045.htm (Updated: 06/24/2007)

Option Arm Options.
Over the past few years the Option Arm mortgage has been a very popular mortgage for those who needed low payments to qualify for a mortgage. However, with declining home values, many homeowners are n

http://www.brokeroutpost.com/reference/56450.htm (Updated: 06/23/2007)

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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One Percent Mortgage
One Percent Mortgages are widely advertised as being able to dramatically reduce your monthly mortgage payment. The one percent mortgage and other mortgages which offer rates from Zero to 4% in today'

http://www.brokeroutpost.com/reference/115372.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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The fixed period on my ARM loan is expiring
When the two or three year period on most ARM mortgages from "subprime" type lenders expire, your interest rate and payment will very likely go up here in 2006. The method used to calculate the new i

http://www.brokeroutpost.com/reference/57120.htm (Updated: 06/20/2007)
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Home Interest Rate
Home interest rates vary from borrower to borrower. Even with the same types of mortgage loans, what rate one person qualifies for does not mean that is what rate another person will qualify for. Home

http://www.brokeroutpost.com/reference/128467.htm (Updated: 06/03/2007)
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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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ARM

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