Mortgage Rate Articles

Adjustable-Rate Mortgage: Good or Bad Idea as Rates Rise?

Rising interest rates are generally bad news for borrowers. Those seeking to borrow fresh funds are forced to pay higher rates. Meanwhile, those who carry adjustable-rate mortgages and. however, as.

You’ll probably see the first sign of rising interest. a 30-year (fixed rate) mortgage, (the higher rate) is really going to have a nominal effect.” Interest rate hikes will have a greater effect.

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Adjustable-rate mortgages can be good or bad. Really, it all depends on individual circumstances and what the investor is trying to get out of the situation. Economic factors also play a vital role. For example, during the housing crisis that began in late 2007, adjustable-rate mortgages lost appeal when many.

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Not too long ago, brokers and agents alike convinced many a financially nave home buyer to buy a home he or she couldn’t afford on an interest-only ARM (adjustable rate mortgage). The idea was that in a short time, the property value would rise and the owner would thus magically acquire sufficient equity to qualify for a conventional loan on better terms.

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A fixed-rate mortgage will have the same interest rate for the entire term of the loan. Many loans today have a term of 30 years. You often hear people refer to a 30-year fixed loan, which is a mortgage with the same interest rate for 30 year until the principle amount of the loan is paid in full. With an adjustable-rate loan, you have an.

(StatePoint) While mortgage interest rates remain near historic lows, they have been slowly rising over the last year. loan officer about whether an adjustable rate may save you money. Many people.

An adjustable rate mortgage (arm) is a mortgage whose interest rate changes annually based on the movement of market rates. Read more about ARMs and how their monthly payments work differently from typical fixed rate mortgages.

3 Reasons an Adjustable-Rate Mortgage Is a Bad Idea. Share.. a 75% rise in housing costs would be a big deal.. The article 3 Reasons an Adjustable-Rate Mortgage Is a Bad Idea originally.

Certainly rates are a big reason, though the cost of taking out an adjustable rate mortgage is also on the rise as well. Rates on fixed 30-year mortgages are hovering around 4.5%, up from a low of.

Choosing the right type of mortgage loan can sometimes be difficult. You have a lot of options and one of them is adjustable rate mortgage. But then you ask yourself, is adjustable rate mortgage a good idea for my circumstance.