Adjustable Rate Mortgage

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Adjustable Rate Mortgage

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An Adjustable rate mortgage allows you to fix your mortgage for a specified period of time, usually 6 months, 1, 2, 3, 5, 7, or 10 years after which the interest rate can adjust. The lifetime cap is usually 5% or 6% over the start rate, so that if your start with a 4.125% interest rate, the lifetime cap is 9.125% or 10.125%. The annual cap is usually 2%, meaning that the maximum amount an interest rate can increase is 2% per year. When you are evaluating an adjustable rate mortgage versus a traditional fixed rate product, it is important to figure out the amount of time that you plan on being in the home, or in the loan to be more precise. Select any of our adjustable rate mortgage refinance loan types for more information and rates:10 year adjustable rate mortgage loan  7 year adjustable rate mortgage loan  5 Year Adjustable Rate Mortgage Loan  3 Year Adjustable Rate Mortgage Loan  2 year adjustable rate mortgage loan  1 year adjustable rate mortgage loan
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Adjustable Rate Mortgage
Lowest rates from over 50 lenders displayed:
Current Rates
Loan Name Rate Pts APR* As of
IO Year 7 5.375% 2.9 5.63% 2007-09-19
IO Year 10 5.5% 2.9 5.76% 2007-09-19
IO Year 15/30 5.62% 2.0 5.87% 2007-09-19
IO Year 10/30 5.5% 2.0 5.76% 2007-09-19
IO Year 5 5.25% 2.5 5.5% 2007-09-19
IO Year 3 5.375% 2.5 5.64% 2007-09-19
LIBOR Year 5/1 4.62% 2.0 4.87% 2007-09-19
LIBOR Year 3/1 4.12% 2.0 4.38% 2007-09-19
ARM Year 7 5.375% 2.0 5.63% 2007-09-19
ARM Year 5 5.375% 2.0 5.64% 2007-09-19
ARM Year 3 5.375% 2.0 5.63% 2007-09-19
ARM Year 2 4.12% 2.0 4.38% 2007-09-19
Stated ARM Balloon 5.99% 2.0 6.24% 2007-09-19
Stated ARM Year 10 5.75% 2.0 6.01% 2007-09-19
Stated ARM Year 2 6.9% 1.0 7.15% 2007-09-19
Stated ARM Year 3 6.5% 2.75 6.76% 2007-09-19
Stated ARM Year 7 6.125% 2.75 6.38% 2007-09-19
Stated LIBOR Year 3/1 5.25% 3.0 5.5% 2007-09-19
Stated LIBOR Year 5/1 5.5% 2.0 5376.0% 2007-09-19
Jumbo ARM Balloon 6.75% 2.0 7.01% 2007-09-19
Jumbo ARM Year 3 6.125% 2.0 6.39% 2007-09-19
Jumbo ARM Year 5 6.25% 2.0 6.5% 2007-09-19
Jumbo ARM Year 7 6.5% 2.0 6.76% 2007-09-19
Jumbo IO Year 10/30 6.75% 2.0 7.01% 2007-09-19
Jumbo IO Year 5 6.5% 2.0 6.75% 2007-09-19
Jumbo IO Year 7 6.625% 2.0 6.89% 2007-09-19
Jumbo LIBOR Year 5/1 6.625% 2.0 6.88% 2007-09-19
All Adjustable Rate Mortgage Interest Rates

Many people plan on moving within a specified number of years, and many people plan on refinancing again in a specified period of years either to take cash out, to remove mortgage insurance or for a variety of other reasons. The average American is only in a loan of about five years. When evaluating an adjustable rate mortgage versus a traditional fixed mortgage, you should figure out how many years your loan will be fixed, how much money you will save relative to a traditional adjustable rate mortgage, and how many years after the fixed period ends, those savings will carry you before the traditional mortgage was a better choice. For example, if you will save $30,000 over the next 5 years on a 5/1 adjustable rate mortgage refinance loan, and let’s presume that after the fixed period, the mortgage rises the maximum 2% per year, you might find that you can actually go 6.5 or 7.5 years on the adjustable rate mortgage before the savings are depleted and the regular fixed rate product was a better chance. These loans result in substantial savings for people looking to refinance and are some of the most popular loans with borrowers today.

Two loan programs that are popular are the 3 Year Adjustable Rate Mortgage Loan and 7/1 Year Adjustable Rate Mortgage Loan.

The 3 Year Adjustable Rate Mortgage Loan is popular because it allows you to fix the rate for the first three years of the mortgage. The interest rates are incredibly low, oftentimes in the 3% range, and there are caps on these loans so the interest rate can only increase up to a maximum of 5% or 6% above the starting rate.
3 Year Adjustable Rate Mortgage

The 7/1 Year Adjustable Rate Mortgage is popular because it allows you to fix the rate for the first seven years of the mortgage. The average home-owner in America typically wants a 30 year fixed, but the statistics tell us that most people do not stay in their mortgage for over 6 years. This may be because the rates drop and they refinance, they need to refinance to take cash out or consolidate debt, or because the move and sell their house. So, oftentimes, the 7/1 Year Adjustable Rate Mortgage ideally fits what borrowers are looking for.
7 Year Adjustable Rate Mortgage Loan

For Example: Let’s say you owe $100,000 on a regular 30 year fixed at 6.5% and you want to reduce your monthly payment with a refinancing to a 3/1 Year Adjustable Rate Mortgage at 4.0%, your monthly payment would drop from $632.07 to $477.42 on the 3/1 Year Adjustable Rate Mortgage.
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