{"id":3468,"date":"2023-02-06T10:31:28","date_gmt":"2023-02-06T10:31:28","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3468"},"modified":"2023-04-27T11:30:26","modified_gmt":"2023-04-27T11:30:26","slug":"falencias-foreclosures-divorce-17","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/pt\/falencias-foreclosures-divorce-17\/","title":{"rendered":"What Is An Adjustable-Rate Mortgage (ARM)?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3468\" class=\"elementor elementor-3468\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8faa9e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8faa9e9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ea94e4\" data-id=\"8ea94e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0788fe0 elementor-widget elementor-widget-heading\" data-id=\"0788fe0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What Is An Adjustable-Rate Mortgage (ARM)?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05f0f5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05f0f5b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-392c6f2\" data-id=\"392c6f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6c190 elementor-widget elementor-widget-video\" data-id=\"3f6c190\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/CtVxo1ZBq-M&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65fa554 elementor-widget elementor-widget-text-editor\" data-id=\"65fa554\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.<\/strong><\/p><p>\u2022 All ARMs have a base rate called the index; a markup to that rate called the margin; and when added together give you the fully indexed rate. This is the rate you pay.<br \/>Index + Margin = Rate.<\/p><p>\u2022 Most ARMs come with two types of rate caps:<br \/>1. Periodic Rate Caps which limit how much the interest rate can change from one period (year) to the next<br \/>2. Lifetime Rate Caps which limits how much the interest rate can go up over the lifetime of the loan.<\/p><p>\u2022 ARMs also have floor limits which provide the lowest rate they can go down.<\/p><p>\u2022 Some ARMs have convertibility options which allow you to fix the rate after a set time. While fixed rates carry the same interest rate for the life of the loan, like on a 30-year fixed rate, they may have higher interest rates as opposed to ARMS in the short term. At the same time, fixed-rate loans provide the assurance that the borrower&#8217;s rate will never go up.<\/p><p>\u2022 So why consider an ARM? An ARM can help cut costs over the short term for buyers knowing they might be wanting to relocate as with an expanding family or someone who knows they will be transferred by their employer.<\/p><p>\u2022 Some ARMs offer interest only options like on Home Equity Lines of Credit (HELOC).<\/p><p>\u2022 And unlike fixed rate loans where the payment always remains the same, ARMs can adjust the payment downward at the end of each adjustment period, if you prepay the principal balance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>What Is An Adjustable-Rate Mortgage (ARM)? An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan. \u2022 All ARMs have a base rate called the index; a markup to that rate called the margin; and when added together give you the fully [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3468","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is An Adjustable-Rate Mortgage (ARM)?<\/title>\n<meta name=\"description\" content=\"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/pt\/falencias-foreclosures-divorce-17\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is An Adjustable-Rate Mortgage (ARM)?\" \/>\n<meta property=\"og:description\" content=\"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/heideinternational.com\/pt\/falencias-foreclosures-divorce-17\/\" \/>\n<meta property=\"og:site_name\" content=\"Heide International LLC\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-27T11:30:26+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/\",\"url\":\"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/\",\"name\":\"What Is An Adjustable-Rate Mortgage (ARM)?\",\"isPartOf\":{\"@id\":\"https:\/\/heideinternational.com\/#website\"},\"datePublished\":\"2023-02-06T10:31:28+00:00\",\"dateModified\":\"2023-04-27T11:30:26+00:00\",\"description\":\"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.\",\"breadcrumb\":{\"@id\":\"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/heideinternational.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Is An Adjustable-Rate Mortgage (ARM)?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/heideinternational.com\/#website\",\"url\":\"https:\/\/heideinternational.com\/\",\"name\":\"Heide International LLC\",\"description\":\"Heide International LLC\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/heideinternational.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is An Adjustable-Rate Mortgage (ARM)?","description":"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/heideinternational.com\/pt\/falencias-foreclosures-divorce-17\/","og_locale":"pt_BR","og_type":"article","og_title":"What Is An Adjustable-Rate Mortgage (ARM)?","og_description":"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.","og_url":"https:\/\/heideinternational.com\/pt\/falencias-foreclosures-divorce-17\/","og_site_name":"Heide International LLC","article_modified_time":"2023-04-27T11:30:26+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. tempo de leitura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/","url":"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/","name":"What Is An Adjustable-Rate Mortgage (ARM)?","isPartOf":{"@id":"https:\/\/heideinternational.com\/#website"},"datePublished":"2023-02-06T10:31:28+00:00","dateModified":"2023-04-27T11:30:26+00:00","description":"An Adjustable Rate Mortgage (ARM), is a type of mortgage in which the interest rate can change throughout the life of the loan.","breadcrumb":{"@id":"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/heideinternational.com\/what-is-adjustable-rate-mortgage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/heideinternational.com\/"},{"@type":"ListItem","position":2,"name":"What Is An Adjustable-Rate Mortgage (ARM)?"}]},{"@type":"WebSite","@id":"https:\/\/heideinternational.com\/#website","url":"https:\/\/heideinternational.com\/","name":"Heide International LLC","description":"Heide International LLC","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/heideinternational.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"}]}},"_links":{"self":[{"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/pages\/3468","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/comments?post=3468"}],"version-history":[{"count":0,"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/pages\/3468\/revisions"}],"wp:attachment":[{"href":"https:\/\/heideinternational.com\/pt\/wp-json\/wp\/v2\/media?parent=3468"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}