ARM (adjustable-rate mortgage) index is the benchmark interest rate to which an adjustable rate mortgage is tied. An adjustable-rate mortgage’s interest rate consists of an index value plus a margin.

About one-third of all borrowers today still opt for an adjustable-rate mortgage. The "index" they choose will determine how fast their ARM’s rate will rise and fall. Q-I am looking for an.

Generally, a loan tied to a lagging index (COFI, e.g.) is better when rates are rising. Leading index loans, like those tied to CMT, are best during periods of declining rates. If you’d like to see how the index for any ARM you are considering has changed in recent years you can find historical values for most popular ARM indexes on our site.

FHFA Adjustable Rate Mortgage (ARM) Index is the average contract rate reported by a sample of mortgage lenders for fully amortized.

Piece one is the interest rate index to which your ARM rate is tied. Indexes have names like COFI, Libor, CMT, MTA, CODI and Prime Rate. The index on your ARM is identified in your note, and you can also get it from your servicer. When you have identified the one used by your ARM, go to www.mortgage-x.com and find its most recent value.

Variable Rates Home Loans Supplied Average variable mortgage rates are at their lowest level since around 1958 when the price of a typical home in Melbourne and Sydney was also $7000, Bob Menzies was prime minister and Elvis.

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An adjustable rate mortgage's interest rate increases and decreases based on publicly published indexes. ARMS are based on different indexes including:.

Adjustable Rate 5/1 Adjustable Rate Mortgage. This 30-year loan offers a fixed interest rate for the first 5 years and then turns into a 1 Year Adjustable Rate Mortgage for the remaining 25 years of the loan. This loan has a longer initial fixed period than the 3/1 Adjustable. This loan may be for you if you fit the profile for the 3/1 adjustable mortgage.

You can determine how much your ARM's interest rate is going to increase or decrease after the initial fixed-rate period ends based upon the index and margin it.

A variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based on an index which reflects the cost to the lender of borrowing on the credit markets. The loan may be offered at the lender’s standard variable rate/base rate.

An adjustable rate mortgage's interest rate increases and decreases based on publicly published indexes. ARMS are based on different indexes including:.

5/3 Mortgage Rates Current Mortgage Rates – Bank of America Mortgage Rates – Find mortgage rates in your area by using our mortgage rate tables here. Mortgage Rate Tables Here.Bank of America Mortgage Rates can be found at bankofamerica.com. The rate for a conventional 30-year fixed rate mortgage with 1.25 discount points is 5.25 percent.