Fixed-To-Adjustable-Rate-Mortgage

What is a Fixed-To-Adjustable Rate Mortgage?

This type of mortgage offers fixed payments for an initial loan period of up to10 years then followed by an adjustable interest rate for the remaining term of your mortgage. Payments are usually lower than most fixed rate mortgages.

Why should you consider a Fixed-To-Adjustable rate mortgage?

If you plan to live in your home less than 10 years, you can then consider this type of mortgage. You can even customize your rate and payments by selecting the fixed rate mortgage that match how long you plan to live in your home.

What are the benefits of a Fixed-To-Adjustable rate mortgage?

You can choose a mortgage depending on the amount of time you are going to you remain in your home.

You can choose an initial fixed rate loan--whether it would be 3, 5, 7 or 10 years. You can enjoy the security of paying a fixed rates for the initial loan. The mortgage rate will then become adjustable after your timeframe with a lifetime rate cap if the interest rate increases after the initial fixed rate. Your monthly payments will probably increase.

You potentially pay a lower interest rate with the initial fixed rate loan then you would get with the traditional 30 year fixed rate mortgage.

You can benefit from rates on this type of mortgage based on the London Interbank Offered Rates Index, which is typically lower than the average fixed rate.

Large loan amounts are usually available.

Secure your interest rate with this locked in rate.

Simultaneously, you can establish a home equity line of credit.

You can take advantage of available payment options. You can make interest only or fully amortized payments during the initial loan. Then after the initial interest only period, your monthly payments will increase because it was based on a fully amortized repayment schedule of principal and interest.

You can prepay principal at any time without a penalty. If the principal payments are made during the interest only, your payments will then be recalculated monthly based on this new lower principal balance. There is usually no fee for the service.

The lifetime cap is based on the loan amount and the initial fixed rate term that you selected.

The periodic rate is based on the adjustable period for the remaining term of your home mortgage loan you selected.

You really need to sit down with your mortgage broker and figure out if this type of payment option is right for you. Are you only planning on staying up to 10 years in your new home? If not, the interest rates can be very high depending on the economy, and you may not be able to afford your monthly home payments with the adjustable rate mortgage.

Copyright 2005 Fern Kuhn, RN
Specializing in Diabetes

http://www.diabetestestingcenter.com
http://www.homeinsurancehelp.info

You may reprint this article as long as you keep the links active

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cantonrep.com/index.php%3FID%3D435376%26Category%3D5%26subCategoryID%3Dcid=1256567505ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNEPq7Ijt2sGAnRGpfHkqnQk2gBVswMore homeowners owe more than home#39;s value/abrfont size=-1font color=#6f6f6fCanton Repository (subscription),nbsp;OHnbsp;-/font nobr45 minutes ago/nobr/fontbrfont size=-1One reason is that as home values slip, growing numbers of would-be borrowers lack sufficient equity to brefinance/b. The falling values also make bmortgage/b b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DauCx6MK3NPgc%26refer%3Duscid=1256388877ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNFoVp__vVuK5aIOKPl_gHKYtpRxyAMcCain#39;s bMortgage/b Plan Calls for Lowering Rates for Homeowners/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1By Sharon L. Lynch Oct. 10 (Bloomberg) -- Republican John McCain#39;s plan to brefinance/b distressed home loans includes cutting bmortgage/b rates to just above 5 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattletimes.nwsource.com/html/realestate/2008253492_autumn12.htmlcid=1256388877ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNEP5-6g-9YeB9ShgVOzv0zWmYf5egUS foreclosure-rescue plan not selling well/a font size=-1 color=#6f6f6fnobrSeattle Times/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256388877hl=ennobrall 2 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.100mortgages.org/20081008/fixed-30-year-mortgage-rates-improve/cid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNFYZb4bsWEg2DomYAkEvBJgKBZvKgimg src=http://news.google.com/news?imgefp=G_VhJ4dGKeAJimgurl=www.100mortgages.org/wp-content/img/2008/10/american-flag44.jpg width=80 height=57 alt= border=1brfont size=-2100 Mortgages/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Da6D1zozXRcb0%26refer%3Dnewscid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNFIUaDjs7YgRipvdj0m8hJFSFpbCgUS MBA#39;s bMortgage/b Applications Index Rose 2.2% Last Week/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The bMortgage/b Bankers Association#39;s index of applications to purchase a home or brefinance/b a loan increased 2.2 percent to 465.5 from 455.4 the prior week. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/mortgage-applications-rose-22-last/story.aspx%3Fguid%3D%257B30541BCE-841D-4BA6-8825-0BAD8D77174A%257D%26dist%3Dmsr_1cid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNEHGSvfmEe6F-TiO0Y6zx6bh1QKMQbMortgage/b applications up 2.2% last week/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.inman.com/news/2008/10/8/lower-rates-stoke-mortgage-appscid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNErItxftatv_4DUlaOvY7izNM1GNALower rates stoke bmortgage/b apps/a font size=-1 color=#6f6f6fnobrInman.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/realestate/news/blogs/renow/2008/10/rates_on_the_de.htmlcid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNH4Lg6C9IuAD5Bq_LfotNAXsG9b7wRates on the decline/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://originatortimes.com/content/templates/%3Fa%3D3618%26z%3D3cid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNGtiB2LQFQEoTioS_Mzn7Vbh-ekNgnobrOriginator Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/10/08/mortgage-applications-rise-or-fall/cid=1255478429ei=OoTxSPK4E6GO6AOFv8S5Bwusg=AFQjCNGTs--zo47VQ92K0K3r92asHZqCqwnobrHousing Wire/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255478429hl=ennobrall 16 news articles/nobr/a/font/div/font/td/tr/table
mortgage refinance - Google News


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