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Fortunately for buyers, there are a variety of mortgages to choose from. But if you do qualify for more than one, you may save yourself money (and worry) in the long run if you do your homework before signing on the dotted line.
It is in your best interest to investigate each of them to determine which is the best for your situation. Adjustable-Rate Mortgages (ARMs) If you are more comfortable in taking a risk with your money or if interest rates are very high at the time you take out your loan, an adjustable-rate mortgage (ARM) may be the solution for you.
This alternative combines the initial advantage of an ARM with a fixed rate after a predetermined number of years.
Obviously, this type of mortgage has more advantages when the initial interest rate is low and the future rate is not guaranteed.
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When meeting with the seller or listing agent, keep your emotions in check.
While you want answers to all your questions to the seller, reveal very little about your circumstances.
Do not give the seller personal information such as your income, the maximum you are able to pay for a down payment or the home, or when you want to move.
There are “caps” on how much your lender can increase your rate, both for a period of one year and for the life of the loan.
Plan ahead, and have your lender calculate what the maximum payment would be if your rate went to the highest amount allowed by the cap for your particular mortgage.