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Mortgage loan with an interest rate that changes based on credit markets
variable-rate mortgage, adjustable-rate mortgage (ARM), or tracker mortgage is a mortgage loan with the interest rate on the note periodically adjusted based
Adjustable-rate_mortgage
Mortgage loan repaid in equal installments
forms of mortgage loans include interest only mortgage, graduated payment mortgage, variable rate mortgage (including adjustable-rate mortgages and tracker
Fixed-rate_mortgage
Non-fixed interest rate over the term of a debt
floating interest rate, also known as a variable or adjustable rate, refers to any type of debt instrument, such as a loan, bond, mortgage, or credit, that
Floating_interest_rate
Automated financial tool
Percentage Rate and stating how and when payments change in variable rate mortgages. Bridge financing Financing Fixed rate mortgage Adjustable-rate mortgage Mortgage
Mortgage_calculator
Loan secured using real estate
loans are the fixed rate mortgage (FRM) and adjustable-rate mortgage (ARM) (also known as a floating rate or variable rate mortgage). In some countries
Mortgage
2007 mortgage crisis in the United States
prices fell, and adjustable-rate mortgage (ARM) interest rates reset higher. As housing prices fell, global investor demand for mortgage-related securities
Subprime_mortgage_crisis
Loans to people with higher credit risk
initial mortgage payments, many subprime borrowers took out adjustable-rate mortgages (or ARMs) that give them a lower initial interest rate. But with
Subprime_lending
turn is used as a base for calculating variable rate loans. The interest rate on an adjustable rate mortgage, for example, is often linked to a regional COFI
Cost_of_funds_index
Intermediary who facilitates transactional use of debt tied to real estate
referral. Subprime mortgage crisis Loan sale Mortgage loan Fixed-rate mortgage Adjustable-rate mortgage VA loan FHA insured loan Mortgage packagers "About
Mortgage_broker
Introductory interest rate for a loan
to offer the teaser rate to such consumers. Adjustable-rate mortgage Trojan horse (business) US mortgage terminology The complete idiot's guide to managing
Introductory_rate
Interest rate at which banks lend to customers with good credit
rates may be expressed as a percentage above or below prime rate. The prime rate is used often as an index in calculating rate changes to adjustable-rate
Prime_rate
Government-backed financial services company
mortgage product type, from traditional, amortizing, fixed-rate mortgages (FRMs) to nontraditional, structurally riskier, nonamortizing, adjustable-rate
Fannie_Mae
US federal act on finance
deregulated savings and loan associations and allowed banks to provide adjustable-rate mortgage loans. It is disputed whether the act was a mitigating or contributing
Garn–St. Germain Depository Institutions Act
Garn–St._Germain_Depository_Institutions_Act
Company that handles mortgage payments and services
rates on adjustable rate loans; payment of taxes and insurance from borrower escrow accounts; negotiations of workouts and modifications of mortgage upon
Mortgage_servicer
Process in risk management
forms: interest rate risk, default risk, and prepayment risk. There is a risk to the lender that the rate on an adjustable-rate mortgage may decrease. If
Mortgage_underwriting
US financial crisis from 1986 to 1995
diversify and become more profitable. This included issuance of adjustable-rate mortgages and permission to enter into commercial real estate lending. Lower
Savings_and_loan_crisis
re modify the loan term, interest rate. Adjustable rate mortgage or ARM - A mortgage where the interest rate adjusts relative to a specified index + margin
Glossary of US mortgage terminology
Glossary_of_US_mortgage_terminology
Worldwide economic crisis
unattended by regulators. As interest rates rose from 2004 to 2006, monthly payments on these largely adjustable-rate mortgages spiked, leading to a wave of defaults
2008_financial_crisis
Interest rate for a whole year
For an adjustable-rate mortgage the APR will also depend on the particular assumption regarding the prospective trajectory of the index rate. The calculation
Annual_percentage_rate
Retrieved 2026-01-22. "What is the difference between a fixed-rate and adjustable-rate mortgage (ARM) loan?". Consumer Financial Protection Bureau. 2025-01-14
Fixed_interest_rate_loan
Loan to homeowners without monthly payments
Senior Taxpayers "Information on Reverse Mortgages". AARP. 12 U.S.C. § 1715z-20(j). "Sample HECM Adjustable-Rate Note" (PDF). Archived from the original
Reverse_mortgage
Loans – All USDA 502 mortgages are assumable by a creditworthy buyer, but as a new rate and terms assumption. Adjustable-rate mortgages – commonly are assumable
Mortgage_assumption
Mortgage refinancing process in the U.S. for Federal Housing Administration mortgages
to take advantage of low interest rates, get out of an adjustable rate mortgage (ARM) or graduated payment mortgage (GPM). Both the FHA and VA offer streamline
Streamline_refinancing
Ratio between net income and investment
required for a property purchased with an adjustable-rate mortgage (ARM), which has a variable interest rate that increases annually over the duration
Return_on_investment
Amortization method
loans today are mostly straight adjustable rate mortgages (ARMs), meaning that they are fixed for a certain period and adjust every time that period has elapsed;
Negative_amortization
American government-sponsored enterprise
mortgage product type, from traditional, amortizing, fixed-rate mortgages (FRMs) to nontraditional, structurally riskier, nonamortizing, adjustable-rate
Freddie_Mac
US Federal Housing Administration mortgage insurance
insures Adjustable-Rate Mortgages (ARMs), which start with a fixed interest rate for an initial period (commonly 1, 3, 5, 7, or 10 years) and then adjust annually
FHA_insured_loan
Interest rate that most American banks charge their most creditworthy clients
prime rate, the Journal publishes a new prime rate. The prime rate is used often as an index in calculating rate changes to adjustable rate mortgages (ARM)
U.S._prime_rate
Type of insurance policy
original amortization schedule for fixed-rate loans and the current amortization schedule for adjustable-rate mortgages. BPMI can, under certain circumstances
Mortgage_insurance
Budgeting and expenses
payment rate can be a fixed plan, a constant payment of the same amount over a certain period. The other is an ARM mortgage (Adjustable-Rate Mortgage). This
Personal_finance
Type of mortgage where a large final payment is expected
end of the period; some adjustable-rate mortgages do not need to be refinanced, and the interest rate is automatically adjusted at the end of the applicable
Balloon_payment_mortgage
act included: Adjustable-rate mortgages, in which the interest rate becomes floating after a number of years. Balloon payment mortgages have a large payment
Alternative Mortgage Transaction Parity Act of 1982
Alternative_Mortgage_Transaction_Parity_Act_of_1982
Topics referred to by the same term
Arm (dominoes), a line of dominoes with one open end Adjustable-rate mortgage, a type of mortgage loan Armada República Mexicana, a ship prefix of the
Arm_(disambiguation)
2007–2009 international economic decline
increasing mortgage payments as their adjustable rate mortgage payments increased, households began to default in record numbers, rendering mortgage-backed
Great_Recession
merge and set any interest rate). The Garn–St. Germain Depository Institutions Act of 1982 (allowing Adjustable-rate mortgages). The Gramm–Leach–Bliley
Causes of the 2000s United States housing bubble
Causes_of_the_2000s_United_States_housing_bubble
Type of loan
to a higher interest rate. Combined with little or no down payment, the adjustable rate (ARM) variety of interest-only mortgages are sometimes indicative
Interest-only_loan
loans, meanwhile, gain low-risk income at a higher interest rate (essentially the mortgage rate, minus the cuts of the bank and GSE) than they could gain
Mortgage industry of the United States
Mortgage_industry_of_the_United_States
American economist (1926–2026)
taking out adjustable-rate mortgages (ARMs) where the interest rate adjusts itself to the current interest in the market. The Fed's own funds rate was at
Alan_Greenspan
American football player (born 1978)
County, Georgia courthouse, after the Hartwells defaulted on their adjustable-rate mortgage from the bank.[failed verification] Ed Hartwell filed for divorce
Edgerton_Hartwell
(Singapore Overnight Rate Average). Adjustable-rate mortgage Fixed-rate mortgage Singapore Swap Offer Rate (SOR) Euribor TIBOR Prime rate TED spread LIBOR-OIS
SIBOR
Topics referred to by the same term
Adjustable-rate mortgage Drifter (floating device) Floater (disambiguation) Floating rate (disambiguation) Floating rate note Inverse floating rate note
Floating_note
to refinance their mortgages. Further, U.S. households often had adjustable rate mortgages, which had lower initial interest rates and payments that later
Causes_of_the_Great_Recession
Type of asset-backed security
A mortgage-backed security (MBS) is a type of asset-backed security (an "instrument") which is secured by a mortgage or collection of mortgages. The mortgages
Mortgage-backed_security
Interest rate benchmark
Collateralized mortgage obligations Collateralized debt obligations In the United States in 2008, around sixty percent of prime adjustable-rate mortgages and nearly
Libor
Action by the U.S. Treasury to lessen the subprime mortgage crisis
7.2% for all single-family mortgages, 24.9% for all subprime mortgages, and 36.5% for subprime adjustable rate mortgages The report provides background
Federal takeover of Fannie Mae and Freddie Mac
Federal_takeover_of_Fannie_Mae_and_Freddie_Mac
to meet their mortgage obligations. Many of these homebuyers took out adjustable-rate mortgages during the period of low interest rates in order to purchase
2000s United States housing market correction
2000s_United_States_housing_market_correction
Interest rate without adjusting for inflation
interest rate or nominal rate of interest is the rate of interest stated on a loan or investment, without any adjustments for inflation. An adjustment for
Nominal_interest_rate
One of the largest U.S. Savings and Loan associations (1929-2006)
private banking system. With diligence, Herbert Sandler devised an adjustable-rate mortgage system for Golden West's holdings to provide as alternative to
Golden_West_Financial
declined and adjustable rate mortgage payment amounts increased, borrowers defaulted on their mortgages. Investors globally holding mortgage-backed securities
Subprime crisis background information
Subprime_crisis_background_information
U.S. real estate company
jumbo and super jumbo adjustable rate mortgages. The company experienced financial difficulties related to the subprime mortgage crisis in 2007 and filed
Thornburg_Mortgage
Major economic downturn in the United States
the mortgage lenders, specifically the adjustable-rate mortgage (the 2–28 loan, with a fixed 2 years and 28 years of adjustable rates), that mortgage lenders
Great Recession in the United States
Great_Recession_in_the_United_States
subprime mortgages, over 90% in 2006 for example, were adjustable-rate mortgages. Housing speculation also increased, with the share of mortgage originations
Making_Home_Affordable
Capitalization rate for debt; ratio of annual debt service to mortgage principal
The mortgage constant, also called the mortgage capitalization rate or loan constant, is the ratio of the annual debt service on a mortgage loan to the
Mortgage_constant
American bank holding company (1889–2008)
of which $52.9 billion were "option adjustable rate mortgages" (option ARMs), with $16 billion in subprime mortgage loans, and $53.4 billion of Home Equity
Washington_Mutual
Law term
year. Adjustable Rate Mortgage; A.R.M.; Variable Rate Mortgage: Mortgage with an interest rate which changes based on a method stated in the mortgage. Adjusted
Adjustment_(law)
Economic bubble
adjustable-rate mortgages, Greenspan has been criticized for his role in the rise of the housing bubble and the subsequent problems in the mortgage industry
2000s United States housing bubble
2000s_United_States_housing_bubble
Mortgage loan secured by commercial property
proceeds"), interest rate, term (sometimes referred to as the "maturity"), amortization schedule, and prepayment flexibility. Commercial mortgages are generally
Commercial_mortgage
Mortgage lending concept
character Gordon Gekko played by Michael Douglas. Adjustable rate mortgage – Mortgage loan with an interest rate that changes based on credit marketsPages displaying
No_income,_no_asset
Former financial services company
loan options include fixed rate, adjustable rate and FHA loans. Refinancing options included fixed rate, adjustable rate and FHA loans, as well as special
Ditech
London banking fraud
between 2000 and 2009 on the day that most adjustable-rate mortgages had as a change date on which new repayment rates would "reset". An email referenced in
Libor_scandal
Private mortgage insurance
Lenders mortgage insurance (LMI), also known as private mortgage insurance (PMI) in the US, is a type of insurance payable to a lender or to a trustee
Lenders_mortgage_insurance
South African economist and physicist
interest-rate model.[citation needed] He left Goldman Sachs at the end of 1988 to take a position at Salomon Brothers Inc. as head of Adjustable Rate Mortgage
Emanuel_Derman
Promissory note
rate with adjusting payments is a Graduated Payment Mortgage (GPM) a floating interest rate and payment amount indicates an adjustable-rate mortgage (ARM)
Mortgage_note
Short-term lending market for banks
adjustable-rate mortgages (ARMs), and syndicated loans. These benchmark rates are also commonly used in corporate cashflow analysis as discount rates
Interbank_lending_market
non-FHA adjustable rate mortgages (ARMs), current or delinquent and regardless of reset status, the ability to refinance into a FHA-insured mortgage. With
FHA-Secure
US law creating the Troubled Asset Relief Program (TARP)
refinance their mortgages. She also called for a moratorium on foreclosures and freezing of rate hikes in adjustable-rate mortgages. Barack Obama, the
Emergency Economic Stabilization Act of 2008
Emergency_Economic_Stabilization_Act_of_2008
Form of indemnity insurance
years, based on current financial indexes (mostly applies to adjustable rate mortgages (ARMs) Estimated escrows (also called impounds), which are payments
Title_insurance
Remedy which allows a contractual party to cancel the contract
ruled that borrowers who refinanced into an adjustable-rate mortgage could force a bank to rescind mortgage loans if it acted similarly inappropriately
Rescission_(contract_law)
12th episode of the 20th season of The Simpsons
and Homer visit their mortgage broker, Gil Gunderson, after receiving a letter and find out that their adjustable rate mortgage payment has increased
No_Loan_Again,_Naturally
1993–2001 U.S. presidential administration
strategies designed to cater to lower-income borrowers, including the adjustable-rate mortgage. This effort was part of a broader initiative, the National Homeownership
Presidency_of_Bill_Clinton
Nonbank mortgage holding company based in Lake Forest, California
the time included fixed rate, jumbo, FHA and home equity loans, in addition to more controversial adjustable-rate mortgages (ARM) and negative amortization
LoanDepot
The company had made adjustable-rate mortgage loans without considering the customers ability to pay after the initial teaser rate had expired. A separate
Fremont_General_Corporation
decade. Most mortgages taken out in 2007–2009 were adjustable-rate mortgages pegged to the prime rate, which at the low was 1.75%. In 2012, 67.9% of Israelis
Housing_in_Israel
Season of television series
use their "stimulus package" to buy an extravagant house on an adjustable rate mortgage. As Lindsay prepares her testimony for Lucille's trial (in exchange
Arrested_Development_season_4
A blanket mortgage, or blanket loan, is a type of mortgage used to fund the purchase of more than one piece of real property. Blanket loans are popular
Blanket_mortgage
Ballot initiative
bonds to fund the program, which would offer eligible buyers fixed-rate mortgages for up to 17% of the purchase price of a "qualified new home". An eligible
2026 California Proposition 37
2026_California_Proposition_37
Governor of California (1975–1983; 2011–2019)
consumers by misinforming them about the workings of certain mortgages such as adjustable-rate mortgages, interest-only loans, low-documentation loans and home-equity
Jerry_Brown
Former American banking and financial services company
Norwest Mortgage lost nearly $100 million from an unsuccessful effort to hedge its mounting interest-rate risk on adjustable-rate mortgages. The loan
Norwest_Corporation
Type of yield spread
concept can be applied to a mortgage-backed security (MBS), or another bond with embedded options, or any other interest rate derivative or option. More
Option-adjusted_spread
to a more stable product (such as going from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage). Many people who purchased their home with a down
Home Affordable Refinance Program
Home_Affordable_Refinance_Program
Type of insurance
defaults soared to record levels on subprime mortgage loans and new types of adjustable rate mortgage (ARM) loans—interest-only, option-ARM, stated-income
Bond_insurance
premiums. While historically super jumbo mortgages were primarily short term adjustable rate principal & interest mortgages, interest only options and payment
Super_jumbo_mortgage
Interest rates to maintain banks' balance
interest rates Modern Monetary Theory Monetary policy Mortgage industry of the United States Official cash rate Official bank rate Real interest rate SARON
Federal_funds_rate
Defunct bank in the United States
the borrower's needs, using an extensive array of risky option-adjustable-rate-mortgages (option ARMs), subprime loans, 80/20 loans, and other nontraditional
IndyMac
Acronyms that begin with the letter A
later Advanced RISC Machine (cf. Arm Ltd.) Anti-Radiation Missile Adjustable-rate mortgage (s) Armenia (ISO 3166 trigram) ARNet – (p) Acquisition Reform Network
List_of_acronyms:_A
Behavior of glaciers that terminate at the sea
calving rate and glacier velocity very high, indicating retreat will continue. At this point, just like having a balloon payment in an adjustable rate mortgage
Tidewater_glacier_cycle
institutions. This trend, in tandem with upward pricing of hybrid adjustable-rate mortgage (ARM) loans, falling home prices, and fewer refinancing options
Loan modification in the United States
Loan_modification_in_the_United_States
American banker
alternative or nontraditional mortgage lending products like "interest-only" and "pay option" adjustable rate mortgage (ARMs). These loan products were
John_M._Reich
occurred with the use of adjustable-rate mortgages. Approximately 90% of subprime mortgages issued in 2006 were adjustable-rate mortgages. This legislation established
Government policies and the subprime mortgage crisis
Government_policies_and_the_subprime_mortgage_crisis
American bank holding company
from Home explaining that her two adjustable-rate mortgages had been transferred to a new office. But when the mortgage payments came due, the new office
H._F._Ahmanson_&_Co.
American mortgage provider
2023). "Adjustable-Rate Mortgages Are No Longer a Bargain". WSJ. Retrieved 2025-01-28. Rhea, Chonce Maddox (2021-04-05). "Here's why mortgage rates are on
Grayton_Mortgage
Rate of interest on overnight loans
Reserve Bank of Australia and the Reserve Bank of New Zealand to adjust the interest rates that apply in each country's economy. The OCR cannot be changed
Official_cash_rate
American politician
rapid growth in volume of so-called subprime and adjustable-rate mortgages in the mid-2000s subprime mortgage crisis, and that she regretted there was not
Susan_Bies
Benchmark for mortgage-backed securities
In the United States secondary mortgage market, the Constant Maturity Mortgage (CMM) rate is a financial index representing the theoretical yield of a
Constant_Maturity_Mortgage
the interest rate floor is the lowest interest rate the lender can offer you to an adjustable (sometimes called variable) rate mortgage. The related term
Floor_loan
US events during the subprime mortgage crisis
Alternative Mortgage Transaction Parity Act of 1982 (AMTPA) preempts state laws allows lenders to originate mortgages with features such as adjustable-rate mortgages
Subprime crisis impact timeline
Subprime_crisis_impact_timeline
Temporary spike in asset prices
credit quality scores (e.g., subprime borrowers), combined with adjustable rate mortgages and "interest-only" loans. Rationalizing borrowing, lending, and
Economic_bubble
Type of loan
revolving credit with an adjustable interest rate, whereas a home equity loan is a one time lump-sum loan, often with a fixed interest rate. With a HELOC, the
Home_equity_loan
Home loan division of Bank of America
consumers by misinforming them about the workings of certain mortgages such adjustable-rate mortgages, interest-only loans, low-documentation loans and home-equity
Bank_of_America_Home_Loans
Defunct banking company
largest bank at the end of 2008. Exposed to risky loans, such as adjustable rate mortgages acquired during the acquisition of Golden West Financial in 2006
Wachovia
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