{"id":4153,"date":"2019-11-30T06:39:14","date_gmt":"2019-11-30T06:39:14","guid":{"rendered":"http:\/\/maximumlending.com\/?page_id=4153"},"modified":"2022-02-11T16:18:39","modified_gmt":"2022-02-11T16:18:39","slug":"adjustable-rate-mortgages","status":"publish","type":"page","link":"https:\/\/maximumlending.com\/anthony\/adjustable-rate-mortgages\/","title":{"rendered":"Adjustable Rate Mortgages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4153\" class=\"elementor elementor-4153\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-5ae8654 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"5ae8654\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container 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data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-941f2b0\" data-id=\"941f2b0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a952e8 elementor-widget elementor-widget-heading\" data-id=\"0a952e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Adjustable Rate Mortgages<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-85eb8e8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"85eb8e8\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d28f941\" data-id=\"d28f941\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21e754e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"21e754e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" 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rel=\"noopener\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"320\" height=\"293\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2021\/05\/soc-logo.png\" class=\"attachment-full size-full wp-image-6148\" alt=\"\" srcset=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2021\/05\/soc-logo.png 320w, https:\/\/maximumlending.com\/wp-content\/uploads\/2021\/05\/soc-logo-300x275.png 300w, https:\/\/maximumlending.com\/wp-content\/uploads\/2021\/05\/soc-logo-13x12.png 13w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d79137c\" data-id=\"d79137c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1775db1 elementor-widget elementor-widget-image\" data-id=\"1775db1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/seal.starfieldtech.com\/verifySeal?sealID=QVQlhR3CrtElxl8G1QOqkXj2KmiZwXop24aywfy46cHDMgcVlmv8pC3zHzsW\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"75\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2020\/10\/godaddy-badge-small.png\" class=\"attachment-full size-full wp-image-4949\" alt=\"\" srcset=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2020\/10\/godaddy-badge-small.png 300w, https:\/\/maximumlending.com\/wp-content\/uploads\/2020\/10\/godaddy-badge-small-16x4.png 16w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-ebf14c2 elementor-reverse-tablet elementor-reverse-mobile elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"ebf14c2\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5fcc571\" data-id=\"5fcc571\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0d190a elementor-widget elementor-widget-text-editor\" data-id=\"e0d190a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An adjustable-rate mortgage, or ARM as it is currently referred to, is a type of mortgage with an interest rate that changes (\u201cadjusts\u201d) periodically in relation to pre-determined intervals. Normally, the initial interest rate is fixed for a specified period of time, after which time it adjusts up or down according to current market conditions.<\/p><p>Typically, ARMs are expressed as two numbers, for example 5\/1. In our example, the loan\u2019s rate will not change during the first five years. After those 5 years are up, it will adjust annually as evidenced by the 1. If you plan on staying in your home for only a short while, an ARM could prove to be quite beneficial.<\/p><h3 id=\"why-choose-an-adjustable-rate-\">Why Choose an Adjustable-Rate Mortgage?<\/h3><p>Many financially savvy people choose an adjustable-rate mortgage for the low interest rates and initial fixed-rate period. This affords homeowners the opportunity to pay more towards the loan\u2019s principal without penalty allowing them to pay off their loan in less time. With an adjustable-rate mortgage, homeowners can enjoy benefits such as:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bcc2160\" data-id=\"bcc2160\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a48f57f elementor-widget elementor-widget-image\" data-id=\"a48f57f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"240\" src=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/adjustable-rates-mortgage-1.jpg\" class=\"attachment-full size-full wp-image-1501\" alt=\"\" srcset=\"https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/adjustable-rates-mortgage-1.jpg 400w, https:\/\/maximumlending.com\/wp-content\/uploads\/2016\/04\/adjustable-rates-mortgage-1-300x180.jpg 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-036c683 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"036c683\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a627b60\" data-id=\"a627b60\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5457abe elementor-widget elementor-widget-text-editor\" data-id=\"5457abe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Low Interest Rates:<\/strong>\u00a0The interest rates for adjustable-rate mortgages are currently the lowest they\u2019ve ever been. In fact, the rate for an ARM is often much lower than more traditional loans, such as the 30-year fixed-rate mortgage.<\/p><p><strong>Short Term Plans:<\/strong>\u00a0Many times home buyers choose an adjustable-rate mortgage with a fixed term of three, five, seven, or even ten years because they know they are only going to stay in that particular area or home for a short amount of time.<\/p><p><strong>Qualify for More House:<\/strong>\u00a0An ARM may allow you to qualify for a higher loan amount and therefore a costlier home. Many home buyers choose to start with an adjustable-rate mortgage and then refinance to a fixed-rate mortgage.<\/p><p><strong>ARMs Don\u2019t Always Adjust Up:<\/strong>\u00a0Most people assume that after the initial fixed term expires, their rate will rise, but this is not always the case. Adjustable-rate mortgages can adjust down as well as up dependent on current market conditions.<\/p><h3 id=\"what-kind-of-arms-are-availabl\">What Kind of ARMs Are Available?<\/h3><p>Here are just some of the terms you may find when choosing an adjustable-rate mortgage for your purchasing or refinancing needs.<\/p><p><strong>3\/1 ARM:<\/strong>\u00a0Fixed interest rate for the first three years, adjusts annually for the remaining life of the loan (27 years on a 30-year loan).<\/p><p><strong>5\/1 ARM:<\/strong>\u00a0Fixed interest rate for the first five years, adjusts annually for the remaining term of the loan (25 years on a 30-year loan).<\/p><p><strong>7\/1 ARM:<\/strong>\u00a0Fixed interest rate for the first seven years, adjusts annually for the remaining term of the loan (23 years on a 30-year loan).<\/p><p><strong>10\/1 ARM:<\/strong>\u00a0Fixed interest rate for the first ten years, adjusts annually for remaining term of the loan (20 years on a 30-year loan).<\/p><p>If an adjustable-rate mortgage sounds like the right fit for you, contact me at\u00a0<a href=\"tel:+13233852123\">(323) 385-2123<\/a>, or\u00a0<a href=\"mailto:aponder@maximumlending.com\">aponder@maximumlending.com<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc79ff elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0fc79ff\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e0782e elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"2e0782e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" 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