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most loans have graduated step increases and caps that keep things from getting nightmarish too quickly. Here is a closer look. A good adjustable rate mortgage protects you from massive rate increases through something known as rate caps. There are two types of rate caps. Each has benefits and negatives. A lifetime rate cap is just what it says. This cap sets the maximum interest rate the lender can charge you for the loan. You must always demand a lifetime cap on any mortgage you take out. Assume you take out an adjustable rate mortgage with an interest rate of four percent. As part of the agreement, the loan has a lifetime cap of eight percent. If interest rates shoot up to 10 percent, your loan will cap out at nine percent. While this is a high interest rate, it is a lot better than paying 10 percent. Periodic rate caps also protect you, but in a different way. A periodic rate cap defined the maximum percentage your interest rate can increase over a period of time. The shorter the time period, the better the cap. If your loan document allows the lender to adjust the rate every six months, the cap may be as low as one percent. This means the lender can only increase the interest rate by a maximum of one percent, regardless of what the market is charging for new loans. Adjustable rate mortgages are great when interest rates are low. When rates start creeping up, however, you need to take a close look at your caps. Title: Adjustable Rate Mortgages: When They Are the Right Mortgage Word Count: 499 Summary: Most of us are familiar with tradition rate mortgages. We borrow a fixed amount of money for 15 to 30 y ears and we agree to pay it back at a given interest rate over the life of the loan. Our payments are the same amount every month, whether it is for 5 years or 30 years. For the majority of homeowners out there this is the most ideal type of mortgage as it has no surprises or sudden increases in monthly payments. However, for some home buyers, an adjustable rate mortgage may very well be the better financial tool. Keywords: adjustable rate mortgage Article Body: Most of us are familiar with tradition rate mortgages. We borrow a fixed amount of money for 15 to 30 y ears and we agree to pay it back at a given interest rate over the life of the loan. Our payments are the same amount every month, whether it is for 5 years or 30 years. For the majority of homeowners out there this is the most ideal type of mortgage as it has no surprises or sudden increases

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Marilia Vaz Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs

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