Adjustable-Rate Mortgage: Good or Bad Idea as Rates Rise?

Mortgage Rates Tuesday, June 27: Higher as Bond Yields Rise Real estate market recap, June 26-30, 2017. in the bond market which drove Treasury yields higher. Mortgage rates may increase in next week’s survey if Treasury yields continue to rise.

What is an adjustable rate mortgage? An adjustable rate mortgage (ARM) is a type of mortgage where the interest rate you pay on your home periodically changes, which impacts your monthly mortgage payment. The interest rates you’ve probably seen advertised for ARMs are usually a little bit lower than conventional mortgages.

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a mortgage, or an auto loan – you could end up paying the price," The New York Times ominously warned. This is wrong – as is the recent hysteria over interest rates. In fact, higher interest rates.

Refinancing your mortgage can be a good or bad idea, depending on your motivation and goals. Many consumers who refinance to consolidate debt build up new credit card balances that may be hard to.

Back when I was in the mortgage business-before the Financial Meltdown-I was always puzzled why people would take an adjustable-rate mortgage (ARM) when fixed rate mortgages were so low. Is an adjustable rate mortgage a bad idea now? With mortgage rates still very low, taking an adjustable rate mortgage makes even less sense. Here’s why.

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An adjustable-rate mortgage, with its lower initial interest rate and monthly payment, can seem a tempting alternative to a higher fixed-rate loan when mortgage rates are rising. "People are trying to squeeze into a more affordable payment," says Jeff Lazerson, president of Mortgage Grader, a ho.

One of the key decisions homebuyers and homeowners make is whether to go with a fixed- or adjustable-rate mortgage. Each have benefits and drawbacks, and your budget, housing needs and appetite.

The five-year adjustable-rate average slipped to 3.88. investors seem more optimistic about the economy. Mortgage rates are heavily influenced by the expectations of investors. Good economic news.

Learn the adjustable-rate mortgage pros and cons so you can decide whether an ARM is right for you.. Adjustable-Rate Mortgages: The Pros and Cons. An ARM can be a good idea if your life is.

A fixed-rate mortgage will have the same interest rate for the entire term of the loan. Many loans today have a term of 30 years. You often hear people refer to a 30-year fixed loan, which is a mortgage with the same interest rate for 30 year until the principle amount of the loan is paid in full. With an adjustable-rate loan, you have an.