Fixed Rate Mortgage

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Fixed Rate Mortgage

Fixed Rate Mortgages(ARMs) Offer Flexibility

The stability of a conventional fixed-rate mortgage works beautifully for settled homeowners who value a predictable monthly payment. But an fixed rate mortgage might be the right choice for you – especially if you are planning to move within five years.

How does an ARM work?

  • Lower starting interest rate
  • Lower starting monthly payment
  • Ability to afford more house space
  • Possible to pay less in return, in favorable market conditions

Hybrid ARMs are signified by the fractions in their titles – 3/1, 5/1, 7/1, 10/1. The first digit tells you the number of years with the introductory rate. The second digit reveals the length of the adjustment period once it becomes a variable rate. For instance, on a 5/1 rate, the first reset takes place after five years. The next reset can take place one year later, and every 1 year after that, until the end of the loan.

Recent changes to ARM loans protect borrowers who take this option. These home loans have an adjustment cap and a lifetime cap, which limit the amount that an interest rate can adjust – in one adjustment period and over the loan term, respectively. There are also a series of disclosures that the lender must make, such as maximum interest rate and payment. The successful ARM candidate studies all of this information and carefully considers how it applies to their own situation before making a sound decision.

Lending Group Company is honored to offer our services in the field of mortgage, house loan and financing for more than 80 years till now. It’s been an immense pleasure for us, as compared with other competitors with high interest rates we offered and served best in all possible ways. With our access to numerous lenders, hundreds of loan options to choose wisely from, outstanding customers services and a good history, we pleasure ourselves by offering an excellent experience and managing satisfied clients and customers all around the state and throughout the world. As financing and mortgage pros, we are working day and night to make sure that all of our clients get the best return on their investment.

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