Adjustable Cap
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Adjustable-rate mortgage help?
If I bought a home with an adjustable-rate mortgage.....
The margin on the loan is 2.7%, and the rate cap is 7.2% over the life of the loan. If the current index rate is 4.3%, what is the initial interest rate of the ARM?
Your rate is 7% and assuming that was the rate when you started, it can increase to 14.2% over the life of the loan. It should also tell you the max amount each increase (the max increment) can be and how often it will adjust.
Refi now before it gets out of hand.
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