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There are various factors that determine the interest rate changes including market conditions, financial index and a margin.An adjustable rate mortgage (ARM) is a type of mortgage loan with specific rate terms. An ARM is usually initially fixed for a set period of time, followed by periodic adjustments according to a specific benchmark.
The FHA (Federal Housing Administration) home loan is one of several government-insured loans. The FHA doesn’t lend money directly to home buyers; they insure lenders against losses that may occur from client default. Because of this, lenders have less strict requirements for borrowers.
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