{"id":31857,"date":"2024-06-13T04:15:44","date_gmt":"2024-06-13T11:15:44","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=31857"},"modified":"2024-06-13T08:43:29","modified_gmt":"2024-06-13T15:43:29","slug":"what-is-an-arm-mortgage-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id31857-what-is-an-arm-mortgage-2.html","title":{"rendered":"What is an ARM Loan?"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31474\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg\" alt=\"what is an ARM loan\" width=\"375\" height=\"241\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics-300x193.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/05\/mortgage-basics-50x32.jpg 50w\" sizes=\"auto, (max-width: 375px) 100vw, 375px\" \/><\/a>An adjustable rate mortgage, otherwise known as an ARM mortgage, is a home loan that uses the property being purchased as collateral. Unlike a fixed-rate mortgage where the interest rate never changes, an adjustable rate mortgage has a fixed rate for a limited introductory period that typically varies between three and ten years. After that, the interest rate fluctuates up or down for the rest of the loan term.<\/p>\n<p>For example, a 3\/1 arm sets your interest rate for the first three years, and then adjusts annually for the next 27, assuming a typical 30-year loan period. Other common examples include 5\/1, 7\/1, and 10\/1 ARMs.<\/p>\n<p>Since the initial interest rate for an ARM is almost always less than a fixed-rate mortgage, the monthly payments are less. However, that can change if interest rates rise significantly over the life of the loan.<\/p>\n<p><strong>ARMs may be a viable option for those who expect any of the following:<\/strong><\/p>\n<ul>\n<li>Interest rates will fall in the future<\/li>\n<li>They&#8217;ll refinance before the introductory period expires<\/li>\n<li>Their future income will rise, thereby offsetting potential <a href=\"https:\/\/lenpenzo.com\/blog\/id1626-the-15-year-vs-30-year-mortgage-debate-why-30-is-better-2.html\" target=\"_blank\" rel=\"noopener noreferrer\">higher payments<\/a><\/li>\n<li>They&#8217;ll sell their home before the initial interest rate increases<\/li>\n<\/ul>\n<p><strong>On the other hand, you should avoid an ARM if:<\/strong><\/p>\n<ul>\n<li>You&#8217;re risk averse<\/li>\n<li>You&#8217;re uncertain whether your income will be higher in the future<\/li>\n<li>You believe interest rates will be significantly higher in the future<\/li>\n<\/ul>\n<p>***<br \/>\n<em>Readers: This is article 4 of 25 from my no-nonsense &#8220;Mortgage Basics&#8221; quick-reference series.<\/em><\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: GotCredit<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An adjustable rate mortgage, otherwise known as an ARM mortgage, is a home loan that uses the property being purchased as collateral. Unlike a fixed-rate mortgage where the interest rate never changes, an adjustable rate mortgage has a fixed rate for a limited introductory period that typically varies between three and ten years. After that, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[487,463],"tags":[],"class_list":{"0":"post-31857","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage-basics","8":"category-real-estate","9":"pmpro-has-access","10":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is an ARM Loan?<\/title>\n<meta name=\"description\" content=\"Most people are familiar with fixed rate mortgages, but ARM loans tend to be less well known. 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