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  2. Guide to FHA adjustable-rate mortgages - AOL

    www.aol.com/finance/guide-fha-adjustable-rate...

    An adjustable-rate mortgage, or ARM, is a type of home loan with an interest rate that changes over time. It has a lower fixed rate at the start of the repayment period, which usually lasts three ...

  3. Adjustable-rate mortgages: What they are and how they work - AOL

    www.aol.com/finance/adjustable-rate-mortgages...

    10/6 and 10/1 ARMs: 10/6 and 10/1 ARMs have a fixed intro rate for the first 10 years of the mortgage, then move to an adjustable rate for the remaining 20 years. 10/6 ARMs adjust every six months ...

  4. Causes of the 2000s United States housing bubble - Wikipedia

    en.wikipedia.org/wiki/Causes_of_the_2000s_United...

    The interest rate on one-year adjustable rate mortgages (1/1 ARMs) fell 3 percentage points (from about 7% to about 4%). Richard Fisher, president of the Dallas Fed, said in 2006 that the Fed's low interest-rate policies unintentionally prompted speculation in the housing market, and that the subsequent "substantial correction [is] inflicting ...

  5. Adjustable-rate mortgage - Wikipedia

    en.wikipedia.org/wiki/Adjustable-rate_mortgage

    A variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based on an index which reflects the cost to the lender of borrowing on the credit markets. [1] The loan may be offered at the lender's standard variable rate/base rate. There may be a direct ...

  6. Adjustable Rate Mortgage Demand Spiked 15% - AOL

    www.aol.com/finance/adjustable-rate-mortgage...

    Since then, more homeowners have looked to adjustable rate mortgages, or ARMs. ... Flagg has 17 points and 14 rebounds as No. 3 Duke beats Virginia 80-62. Weather. Weather. Associated Press

  7. Cost of funds index - Wikipedia

    en.wikipedia.org/wiki/Cost_of_Funds_Index

    The interest rate on an adjustable rate mortgage, for example, is often linked to a regional COFI specified in the particular loan documents. COFIs, in turn, are usually calculated by a self-regulatory agency like Federal Home Loan Banks. In California, for example, many home mortgage loans are indexed to the Federal Home Loan Bank of San ...

  8. Pros and cons of an adjustable-rate mortgage (ARM) - AOL

    www.aol.com/finance/pros-cons-adjustable-rate...

    15-year fixed-rate mortgage: If it’s the interest rate you’re worried about, consider a 15-year fixed-rate loan. It generally carries a lower rate than its 30-year counterpart.

  9. Government policies and the subprime mortgage crisis

    en.wikipedia.org/wiki/Government_policies_and...

    In 1982, Congress passed the Alternative Mortgage Transactions Parity Act (AMTPA), which allowed non-federally chartered housing creditors to write adjustable-rate mortgages. Among the new mortgage loan types created and gaining in popularity in the early 1980s were adjustable-rate, option adjustable-rate, balloon-payment and interest-only ...

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