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Adjustable Rate Loans: Terms & Provisions Explained

This video explains the key components of Adjustable Rate Loans, and the various aspects such as adjustment intervals, teaser rates, different indices, margins, and composite rates. The video also clarifies concepts like reset dates, interest rate change caps, ceilings and floors, payment caps, and negative amortization. It highlights special features like a conversion option and discusses various hybrid options in Adjustable Rate Loans. Ideal for those looking to understand mortgage loans better and navigate financial decisions with greater confidence.

0:00 ARM Loans Adjustable Rate Mortgage Loans
00:21 Adjustment Interval
00:45 Teaser Rate
00:59 Index
01:27 Margin
01:36 Composite Rate
01:45 Reset Date
01:53 Rate Change Caps
02:01 Interest Rate Ceiling
02:13 Interest Rate Floor
02:30 Payment Caps
02:56 Negative Amortization
03:05 Conversion Option

Adjustable rate loans can come in a variety of variations or hybrid options such as interest only for the first couple years or a loan that is fixed for the first five or 10 years, and then becomes adjustable.

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