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What type of loans are available?

Whether you are looking for a first mortgage, adding a second mortgage or trying to refinance an existing mortgage, it is helpful to understand more about how the general loan classifications.
Fixed-Period ARM's

Fixed-period ARMs
Contrary to convertible ARMs, fixed-period ARMs begin with a fixed rate that extends for a specified “fixed” period. At the end of that period, the interest rate (with certain caps) adjusts annually. The interest rates are lower than a standard 30-year mortgage as the lenders risk is lower since they are not locked in so long.

 

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