Adjustable Rate Loan

Adjustable Rate Mortgages (ARM) may give borrowers the ability to save money on their loan in the short term, with a number of payment options in the future. ARMs provide a lot of flexibility for homebuyers. An ARM is originally fixed at the start of the loan and continues for a predetermined amount of time. The rate on the loan then becomes adjusted on a month by month basis. The rates are tied to indexes such as the London Interbank Offered Rate (LIBOR).

ARM Loans are especially attractive to…

  • Homebuyers not looking to stay in their new home for too many years.
  • Borrowers wanting to lower initial payments on their new home.
  • Borrowers wanting to benefit from the shifting market rates.

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Loan Features

Fixed rates at the origination of the loan

Interest rates are fixed at the origination of the loan. This gives borrowers some time to become comfortable with the new payments before they become adjusted.

Savings

Lower housing rates mean lower monthly bills. Think of all of the potential savings.

Ability to take advantage of lower rates

When interest rates fall, so does your monthly payment.

Flexibility

Not sure how long you want to stay in your new home? ARMs give borrowers more flexibility for moving after only a few years.

Rate increase ceilings

Thanks to rate caps, the interest rates on an ARM can only increase so much during any adjustment period.

Calculators

Pinnacle Capital Mortgage provides you with the tools you need to make the right borrowing decisions. These calculators will give you a basic idea of how key values are determined throughout the mortgage process. Try to ensure the information you enter is as accurate as possible. Always contact one of our Mortgage Advisors for an accurate quote that is best suited for your specific needs.

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