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With an Adjustable-Rate Mortgage, your initial interest rate may start off lower than that of a fixed-rate mortgage, which can enable you to make lower initial payments. Then, the rate adjusts after a set period up to a certain limit.
- Amortization periods up to 30 years
- Payment of principal and interest adjusts based on a preselected index plus a margin with rate-cap adjustments
- May require private mortgage insurance (PMI) if the loan exceeds 80% of the home’s value