Adjustable-Rate Mortgage (ARM)

MarketWatch  Jul 31  Comment 
This is why more borrowers these days are opting for ARMs.
MarketWatch  Jul 9  Comment 
The share of all mortgages that are floating-rate remains exceptionally low, but may - or may not - increase as rates rise.
MarketWatch  Mar 10  Comment 
The products offer lower rates for an initial period and are popular when consumers believe rates will go up.
MarketWatch  Jul 24  Comment 
Borrowers who took out jumbo adjustable-rate mortgages, or ARMs, several years ago and are shifting into a floating rate are generally finding themselves pleasantly surprised by lower payments.
MarketWatch  Apr 8  Comment 
The apocalyptical financial product of the recent economic collapse are coming back in a big way.
Wall Street Journal  Mar 17  Comment 
Adjustable-rate mortgages, one of the main culprits of the housing crisis, are back in vogue. But banks say this time is different.
MarketWatch  Jan 10  Comment 
New rules could make ARMs safer for borrowers -- but also harder to get.
Forbes  Oct 15  Comment 
The housing crisis left banks with a very messy problem. Throw in a Libor scandal and the mess gets even uglier.
MarketWatch  Nov 23  Comment 
Rates on adjustable-rate mortgages hit record lows, while the 30-year fixed-rate mortgage fell below 4% again this week, according to Freddie Mac’s weekly survey of conforming mortgage rates.  Jul 28  Comment 
// --> NEW YORK (RateWatch) -- Loan rates keep falling, and consumers who have long spurned adjustable-rate mortgages may want to take a second look. ...


Adjustable Rate Mortgages (ARMs), which have become notorious in recent years with the fall of the housing bubble in 2007, are available in 1, 3, 5, 7 and 10 year terms. These mortgages have a fixed rate of interest for during their initial period, after which the rate adjusts based on whatever index the loan is tied to. During the initial period, the borrower pays a lower rate of interest. For instance, the 5yr ARM may have an interest rate of 5% vs. 5.5% for a 30yr fixed mortgage. At the end of the 5 years however, the interest rate is no longer fixed and is reset. If libor is 7%, then the borrower pays 7%. These mortgages can be cheaper than 30yr fixed mortgages, especially in the beginning, but are also riskier. Money Shop Loans

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