What Is An Adjustable-rate Mortgage ARM
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What is an adjustable-rate mortgage (ARM)?
An ARM is a mortgage loan that has an interest rate that can change periodically during the life of the loan. Most ARMs are subject to alter only when per year. Some can have a fixed rate of interest for a defined number of years at the beginning of the loan and after that change each year after that. For example a 3/1 ARM has a set rate for the first 3 years of the loan and then can change once a year after that.
Your loan documentation will define how typically your rate can change in addition to the minimum and maximum amount it can alter each duration and how much it can change over the life of the loan.
When the rate on an ARM changes, the payment will change. That's why your Seattle Credit Union mortgage expert will make certain that you can afford your loan at the initial rate in addition to at the maximum rate. The last thing you desire is to have your payment boost beyond what you can afford to pay. Seattle Credit Union is dedicated to ensuring that our members don't find themselves in this scenario.
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