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Adjustable Rate Mortgage

An adjustable rate mortgage is easier to qualify for and may be available even to borrowers with damaged credit. Since the initial payments are generally lower, lenders are more likely to approve a larger loan. Also, if the current rates hold steady or drop any, a borrower with an adjustable rate mortgage may come out paying less for the loan than if he or she had a fixed rate mortgage.

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The time between the rate changes of an adjustable rate mortgages are called adjustment periods. These periods can come in increments of one, three or five years, meaning that with the three year adjustable rate mortgage, the interest rate would be subject to change every three years. The risk with this sort of loan is minimalized by caps that work as “rate ceilings” to keep monthly payments from getting too high. Also, many adjustable rate mortgages can be converted into fixed rate mortgages if the home owner chooses.

An adjustable rate mortgage is an excellent way to fund the purchase of a new home, starting off with low initial monthly payments and low introductory interest rates and are great for those who may move or refinance after a few years and want to save money early on. Fill out our short form today to learn more about the adjustable rate mortgages available.

For those who have served in the military, adjustable mortgages are also insured by the Veterans Administration, and offer veterans one year adjustable rate mortgages with little no down payments and very relaxed qualifying.

 


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Adjustable rates can get you a low rate today and be locked in later for a fixed cost. Adjustable rate mortgages are more accessible to those with less than perfect credit… An FHA loan has many forms such as reverse mortgages and energy efficient mortgages all aimed at making it easier to apply little money down on the purchase of a new home. The max loan amount is not determined by your income level only the monthly cost of the home… Refinancing loans are a frequent occurance years down the road after an original mortgage is required. Borrower needs change as do the rates in the market. If you are considering refinancing get up to four free quotes from Expo Financial first…
2nd mortgages are mortgages for current homeowners to take out for up to 125% the value of their current home. Taking advantage of existing equity in your home can get you a lower interest rate… Mortgage payment calculators can perform a variety of functions for you including estimating morthly loan payments and also calculating your break even date for a mortgage refinance. Give our calculators a spin and then apply online for your loan…

Our mortgage payment calculator gives you a loan amortization table that shows you how much interest and principal are paid with each of your monthly mortgage payments. Overtime the interest expense will decrease to zero…

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