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Articles about Arms


Residential | January 2019 
Hybrid-ARM Rates Need Some Attention
Interest rates have been so low for so many years that, until recently, fixed-rate mortgages were chosen by almost all homebuyers. With home prices still increasing and mortgage rates up almost ...
By Dick Lepre, senior loan adviser, RPM Mortgage

Residential | May 2018 
Mortgage Industry Outlook
For more than 100 consecutive months, the U.S. economy has continued to grow, with real gross domestic product (GDP) per capita increasing by nearly 13 percent over that period of time, accor...
By Tom Gillen, senior vice president of capital markets, Churchill Mortgage

Residential | April 2018 
Anticipate Borrowers’ Questions
Buying a house can be scary, especially as a first-time homebuyer. Individuals looking for mortgages are often apprehensive about the process. When people approach mortgage originators, they wil...
By Yanni Raz, CEO, HML Investments

Residential | July 2017 
Carry ARMs in Your Quiver
Disruption, the trendy phrase in the fintech world, describes the expected impact of new web-based technologies on current lending practices in fundamental ways. Mortgage originators experienced anoth...
By Claus Lund, financial-services consultant

Residential | May 2017 
The One-Two Punch to Rising Rates
Like practically every other sector of the U.S. economy, the housing industry can expect significant changes in the face of new economic pressures this year. Two big topics defining the country’...
By Kasey J. Marty, executive vice president, Guaranteed Rate

Commercial | May 2017 
Find the Best Loan for the Borrower
Interest rates are going to continue to rise. That’s the general consensus among experts in various sectors of the financial industry, and commercial mortgage brokers will need to keep that in mind wh...
By Melissa Foxall, underwriter, APEX Mortgage Corp.

Residential | July 2004 
Adjustable Rate Mortgages
Federal Reserve Board Chairman Alan Greenspan made the following comment:  Homeowners “might have saved tens of thousands of dollars had they held adjustable rate mortgages rather than fixed rate m...
By Walter Tharp, Senior Vice President, Director of Wholesale Lending, IndyMac Bank

Residential | December 2005 
ARMs: When to Hold Them, When to Fold Them
The monthly ARM, or option ARM, is a mortgage product that was designed to provide borrowers with multiple payment options and flexibility. During the past few months, though, the adjustable-rate mo...
By Paul Smoot, director of wholesale originations, LendingOne

Residential | November 2005 
When Negative is Positive
If you sell option ARMs, you have probably encountered resistance to negative amortization. You may also have been taught to call these products “deferred interest” because it doesn’t sound as omino...
By D. Jed Wunderli, branch manager, Meridias Capital

Residential | November 2005 
Consumer Savvy
Today’s consumers are more aware of and more comfortable with their mortgage options than they were 10 years ago. Primarily, this is because of a deepened understanding and greater education provide...
By Lorne Lahodny, president and CEO, Secured Funding Corp.

Residential | October 2005 
A Flexible Alternative
Fixed-rate mortgages take the guesswork out of figuring interest. Unfortunately, they also remove payment flexibility. Fortunately, payment-option ARMs can offer those looking for a home — especial...
By Lisa Schreiber, mortgage consultant and speaker, LSK Consultants LLC

Residential | September 2005 
Finding the Right Fit
All loan products fall into one of two categories: mortgages with fixed rates or mortgages whose rates change during the life of a loan. With options such as hybrid and interest-only loans, however,...
By William J. Lopez, director of mortgage banking, Wholesale Lending Online

Residential | August 2005 
MTA Option ARMs: Holding Their Own
The 12-Month Treasury Average (MTA) option ARM is a special financial product designed for sophisticated borrowers who understand finance and economics and need financial flexibility. If handled cor...
By Joel Barth, officer, Northwest Capital Advisors Ltd.

Residential | June 2005 
Lend a hand with option ARMs and other niche products
Surviving the rising-rate environment is a challenge for many loan originators and their firms. Loan originators must respond by becoming experts in — and selling — a variety of loan products. ...
By Thomas Byrne, director of business development, The Mortgage Exchange Inc.

Residential | January 2005 
Option ARMs vs. Interest-only: What’s the Real Bottom Line?
The advertisements state: “1%, 1.25%, 1.95% … We have the lowest rates around!” Meanwhile, consumers just shake their collective heads and wonder, “How can they do this?” It’s no secret the explosio...
By Ron Monaco, account executive, Mylor Financial


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