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Hub You - How to Compare Fixed Rate Mortgages and Adjustable Rate Mortgages
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- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
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FIXED RATE MORTGAGES
In a fixed-rate mortgage, your interest rate stays the same for the term of the mortgage. The main advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be, and you can plan for it.
Benefits and Advantages:
- Low rates for the full term of your mortgage
- Security of a fixed monthly payment for the life of you loan, regardless of fluctuations in interest rates
- More stability may give you peace-of-mind
Disadvantages
- Higher initial monthly payments compared to those of adjustable rate mortgages
- Less flexibility
ADJUSTABLE RATE MORTGAGE (ARM).
With this kind of mortgage, your interest rate and monthly payments usually start lower than a fixed-rate mortgage. But your rate and payment can change either up or down, as often as once or twice a year. The adjustment is tied to a financial index. Throughout the life of that loan, the principal and interest payment will adjust periodically based on fluctuations in the interest rate.
Benefits and advantages:
- Lower Initial payments due to lower beginning interest rate
- Ability to qualify for a higher loan amount due to lower initial interest rates
- Lower interest payments if the interest rate drops over time
- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
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FIXED RATE MORTGAGES
In a fixed-rate mortgage, your interest rate stays the same for the term of the mortgage. The main advantage of a fixed-rate mortgage is that you always know exactly how much your mortgage payment will be, and you can plan for it.
Benefits and Advantages:
- Low rates for the full term of your mortgage
- Security of a fixed monthly payment for the life of you loan, regardless of fluctuations in interest rates
- More stability may give you peace-of-mind
Disadvantages
- Higher initial monthly payments compared to those of adjustable rate mortgages
- Less flexibility
ADJUSTABLE RATE MORTGAGE (ARM).
With this kind of mortgage, your interest rate and monthly payments usually start lower than a fixed-rate mortgage. But your rate and payment can change either up or down, as often as once or twice a year. The adjustment is tied to a financial index. Throughout the life of that loan, the principal and interest payment will adjust periodically based on fluctuations in the interest rate.
Benefits and advantages:
- Lower Initial payments due to lower beginning interest rate
- Ability to qualify for a higher loan amount due to lower initial interest rates
- Lower interest payments if the interest rate drops over time
- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
There are many different types of sign holders you can use in a retail merchandising campaign. The most important decision on which sign holder to use if based on the type of environment they will be used in.A "harsh" environment will need something a lot stronger in a display, even though it is not as attractive as a acrylic sign holder. Metal sign holders and re-enforced plastics are much more resilient to breakage in this
- More stability may give you peace-of-mind
Disadvantages
- Higher initial monthly payments compared to those of adjustable rate mortgages
- Less flexibility
ADJUSTABLE RATE MORTGAGE (ARM).
With this kind of mortgage, your interest rate and monthly payments usually start lower than a fixed-rate mortgage. But your rate and payment can change either up or down, as often as once or twice a year. The adjustment is tied to a financial index. Throughout the life of that loan, the principal and interest payment will adjust periodically based on fluctuations in the interest rate.
Benefits and advantages:
- Lower Initial payments due to lower beginning interest rate
- Ability to qualify for a higher loan amount due to lower initial interest rates
- Lower interest payments if the interest rate drops over time
- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
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Benefits and advantages:
- Lower Initial payments due to lower beginning interest rate
- Ability to qualify for a higher loan amount due to lower initial interest rates
- Lower interest payments if the interest rate drops over time
- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
Today’s consumer marketplace is saturated with products, many of which blend into one another and become lost in the sea of choices offered to consumers. For this reason, it has become necessary for manufacturers to make their products stand out in some way or another, and many are looking to innovations in the packaging world to help them sell their products.Certain flexible packaging designs such as stand up pouches and un
- Interest rate caps limit the maximum interest payment allowed for the loan
Disadvantages
- Your future monthly payment is uncertain.
- Initial lower interest rate and monthly payments are temporary and apply to the first adjustment period. Usually, the interest rate will rise after the initial adjustment period.
- Higher interest payments if the interest rate rises over time
SUMMARY
A Fixed Rate mortgage will offer you the security of knowing that your mortgage interest rate will not change during the term of your fixed rate. The advantage of an Adjustable Rate Mortgage is that you may be able to afford a more expensive home because your initial interest rate will be lower. A Fixed-Rate Mortgage applies the same interest rate toward monthly loan payments for the life of the loan. Fixed-rate mortgages are more straightforward and easier to understand than ARMs. They are more secure for the buyer and they are very popular with first-time home buyers. Since the risk to the lender is higher, fixed-rate mortgages generally have higher interest rates than ARMs. A fixed rate mortgage is ideal for anyone who likes to budget monthly expenses and plans to keep their home for several years.
A more detailed version of this article including a glossary of terms is available at: http://www.us-banks.org/archives/1970
[Disclaimer: This article is provided for information purposes only. No warranty is either expressed or implied. Under no circumstance will the author be liable for any loss or damage caused by a user's reliance on this information.]
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