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An adjustable rate mortgage (ARM) are conventional or government home loans that start at a fixed rate for a set period of time. After the period expires, the rate may go up or down once per year.
Ideally Suited for
- Homebuyers planning to move or refinance in 5-10 years. ARM initial fixed rate periods range from 3-10 years.
- Homebuyers who are interested in lower initial payments, and are comfortable with rate adjustments.
- Homebuyers with a minimum FICO score of 640.