Mortgage Rate Articles

How ARM rates work: 3/1, 5/1, 7/1 and 10/1 mortgages

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3/1 Adjustable Rate Mortgage (3/1 ARM or 3 year ARM) Adjustable Rate Mortgage. 3/1 ARM (3 year ARM)- the rate is fixed for a period of 3 years after which in the 4th year the loan becomes an adjustable rate mortgage (ARM).The adjustable rate is tied to the 1-year treasury index and is added to a pre-determined margin (usually between 2.25-3.0%) to arrive at your new monthly rate.

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For example, the starting rate for a 5 year arm mortgage may be slightly higher than a 3/1 adjustable rate mortgage. Typically loans are offered from 1 year arms to up to 10 year arms. popular Adjustable Rate Products and their Introductory Rate Periods. 10/1 ARM – Introductory rate period lasts 10 years (120 months). Often used as an alternative to a 30 year fixed rate mortgage by borrowers willing to.

Mortgage rates today, November 1, plus lock recommendations daily rate lock Advisory. Mortgage rates today, November 20, plus lock recommendations Credit score ranges: excellent, good, fair, poor Fair credit, in the 630-689 range, gives you more options, but you’ll likely pay higher interest and will have a limited choice of credit cards.

Adjustable-Rate Mortgages (ARMs) come with lower initial rates for a specific period, leading to affordable monthly payments. Choose from 3/1, 5/1, 7/1 or 10/1 .

With a traditional 10/1 ARM, the loan will have a maximum on the amount the interest rate can increase from one year to the next. For example, the rules of the mortgage might state that the interest rate cannot increase by more than 1 percent per year regardless of what the financial index does.

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Other Types of ARM Loans. If a loan is named a 5/1 ARM then what that means is the loan is fixed for the first 5 years & then the rate resets each year thereafter. The initial loan interest rate is frequently discounted below the "fully indexed" rate one would get by adding the margin to the indexed reference rate.

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 · ARMs come in terms of 3/1, 5/5, 5/1 (standard and high-balance), 7/1, and 10/1. No Origination Fees BECU is excited to announce yet another way we can save our members’ money: NO origination fee on conventional fixed-rate or adjustable-rate mortgage home loans for purchase and refinance transactions **.

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