URGENT Information You MUST Know About your A.R.M. (Adjustable Rate Mortgage)

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This report contains a comprehensive list of terms and commentary that can apply to YOUR Adjustable Rate Mortgage. You MUST familiarize yourself with these terms, BEFORE you consider a permanent solution to your ARM mortgage.

You will be able to ask questions to your mortgage consultant that could end up saving you money in loan fees and interest over the lifetime of your loan.

We'll start SIMPLE and get more complicated...

Adjustable Rate Mortgage (ARM): Mortgage loans under which the interest rate is periodically adjusted to more closely coincide with the current market. Terms of adjustment are agreed to at the inception of the loan. Your specific mortgage loan is controlled by the terms set forth in the adjustable rate note that you signed at closing.

Amortization: The systematic and continuous payment of an obligation through installments until the debt has been paid in full. Interest Only loans and Balloon loans are not "fully amortized" since they do not have a continuous payment of principal and interest that is needed to pay the loan in full.

Annual Percentage Rate (APR): A term used in the Truth-in-Lending Act to present the percentage relationship of the total finance charge to the amount of the loan. The APR reflects the cost of the mortgage loan as a yearly rate. It could be higher than the interest rate stated on the Note because it includes, in addition to the interest rate, loan discount points, miscellaneous fees and mortgage insurance. This term is used at the time of origination and cannot properly reflect future rate increases that apply to ARM loans. Your interest may already have adjusted beyond the percentage rate disclosed as the APR.

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