Adapt to changing market conditions with our Adjustable-Rate Mortgage Loans, offering initial lower rates and flexible payment options for dynamic financial planning.
Start with lower rates compared to fixed-rate Mortgage Loan, making initial payments more affordable.
Benefit from potential rate decreases, subject to market conditions.
Choose from various adjustment periods to suit your financial goals and risk tolerance.
At The Doce Mortgage Group we are dedicated to helping you navigate the complexities of ARMs, ensuring you choose a loan that aligns with your financial plans and home ownership goals. Let our expert Mortgage Advisors guide you through the intricacies of adjustable-rate financing to find the perfect fit for your situation.
Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner would likely refinance into another ARM, something fixed, or sell the home outright.
An ARM is a Mortgage Loan with an interest rate that changes over time based on market conditions.
Rate adjustments depend on the specific terms of the ARM, typically occurring annually after the initial fixed period. Most common initial periods are 3, 5, 7 or 10 years.
It depends on your financial situation, type of employment and tolerance for risk, as rates and payments can increase over time.
Yes, you can refinance an ARM into a fixed-rate Mortgage Loan or another ARM.
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