2013년 11월 23일 토요일

오전 8:57

By Eugenia Finnie

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About 'accounting standard 10'|..., which pretty nearly dried up when the legislature forced Weld to account for his claimed savings more honestly. And there were some ...







About 'accounting standard 10'|..., which pretty nearly dried up when the legislature forced Weld to account for his claimed savings more honestly. And there were some ...








               Ｗｈｙ               ｗｏｕｌｄ               ａｎｙｏｎｅ               ｃｏｎｓｉｄｅｒ               ａｎ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅ               ｗｈｅｎ               ｆｉｘｅｄ               ｒａｔｅ               ｌｏａｎｓ               ａｒｅ               ａｔ               ｔｈｅｉｒ               ｌｏｗｅｓｔ               ｉｎ               ｏｖｅｒ               ｈａｌｆ               ｏｆ               ａ               ｃｅｎｔｕｒｙ?

Ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ａｒｅ               ｅｖｅｎ               ｌｏｗｅｒ               ｏｎ               ＡＲＭ               ｍｏｒｔｇａｇｅｓ               ａｎｄ               ｆｏｒ               ｂｕｙｅｒｓ               ｗｈｏ               ａｒｅ               ｃｅｒｔａｉｎ               ｔｈａｔ               ｔｈｅｙ               ｗｉｌｌ               ｓｅｌｌ               ｗｉｔｈｉｎ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｔｅｒｍ,               ｔｈｅｒｅ               ａｒｅ               ｓｉｇｎｉｆｉｃａｎｔ               ｓａｖｉｎｇｓ               ｔｏ               ｂｅ               ｒｅａｌｉｚｅｄ               ｄｅｐｅｎｄｉｎｇ               ｕｐｏｎ               ｃｕｒｒｅｎｔ               ｍａｒｋｅｔ               ｃｏｎｄｉｔｉｏｎｓ.

Ｅｖｅｎ               ｓｏ,               ｔｈｅｓｅ               ｍｏｒｔｇａｇｅｓ               ａｒｅ               ｎｏｔ               ｐｒａｃｔｉｃａｌ               ｆｏｒ               ｅｖｅｒｙｏｎｅ               ｂｕｔ               ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ａｒｅ               ａｂｓｏｌｕｔｅｌｙ               ｓｕｒｅ               ｔｈｅｙ               ｗｉｌｌ               ｏｗｎ               ｔｈｅ               ｒｅａｌ               ｅｓｔａｔｅ               ｆｏｒ               ｌｉｍｉｔｅｄ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               ｔｈｅ               ｓａｖｉｎｇｓ               ｃａｎ               ｏｖｅｒｒｉｄｅ               ｔｈｅ               ｒｉｓｋ               ｏｆ               ａ               ｐｏｔｅｎｔｉａｌｌｙ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｎ               ｔｈｅ               ｅｖｅｎｔ               ｐｌａｎｓ               ｃｈａｎｇｅ.
               Ｔｏｄａｙ'ｓ               ｓｕｉｔｅ               ｏｆ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｐｒｏｇｒａｍｓ               ｉｎｃｌｕｄｅ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｓｔｒｕｃｔｕｒａｌ               ｏｐｔｉｏｎｓ               ｂｕｔ               ｔｈｅ               ｓｔａｎｄａｒｄ               ｍａｒｋｅｔ               ａｃｃｅｐｔａｂｌｅ               ｖｅｒｓｉｏｎｓ               ａｌｌ               ｆｏｌｌｏｗ               ｔｈｅ               ｓａｍｅ               ｂａｓｉｃ               ｆｏｒｍａｔ.

Ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ｆｉｘｅｄ               ｆｏｒ               ａ               ｐｅｒｉｏｄ               ｏｆ               ｔｉｍｅ               ａｎｄ               ｓｕｂｓｅｑｕｅｎｔｌｙ               ａｄｊｕｓｔｅｄ               ａｎｎｕａｌｌｙ               ｄｕｒｉｎｇ               ｔｈｅ               ｅｎｓｕｉｎｇ               ｙｅａｒｓ.

Ａｌｔｈｏｕｇｈ               ｔｈｅ               ｐｒｉｍａｒｙ               ｃｏｎｓｉｄｅｒａｔｉｏｎ               ｏｔｈｅｒ               ｔｈａｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ｔｈｅ               ｌｅｎｇｔｈ               ｏｆ               ｔｉｍｅ               ｔｏ               ｔｈｅ               ｆｉｒｓｔ               ａｄｊｕｓｔｍｅｎｔ,               ｔｈｅ               ｃｒｉｔｅｒｉａ               ｅｆｆｅｃｔｉｎｇ               ｈｏｗ               ｔｈｅ               ａｄｊｕｓｔｍｅｎｔｓ               ａｒｅ               ｍａｄｅ               ｉｓ               ａｌｓｏ               ａｎ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｔｈｅ               ｉｍｐａｃｔ               ｏｎ               ｆｕｔｕｒｅ               ｍｏｒｔｇａｇｅ               ｐａｙｍｅｎｔｓ.
               Ｐｒｏｇｒａｍ               Ｏｐｔｉｏｎｓ
               Ｌｅｎｄｅｒｓ               ａｒｅ               ｐａｒｔｉａｌ               ｔｏ               ＡＲＭ'ｓ               ｂｅｃａｕｓｅ               ｔｈｅｉｒ               ｅｘｐｏｓｕｒｅ               ｔｏ               ｂｅｌｏｗ               ｍａｒｋｅｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ               ｒａｔｅｓ               ｉｓ               ｌｉｍｉｔｅｄ               ｔｈｅｒｅｆｏｒｅ               ｔｈｅｙ               ｏｆｆｅｒ               ｒａｔｅｓ               ｃｏｍｍｅｎｓｕｒａｔｅ               ｗｉｔｈ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｔｅｒｍ.

Ａｌｓｏ               ｂｅｃａｕｓｅ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ａｄｊｕｓｔｓ               ａｆｔｅｒ               ｔｈｅ               ｉｎｉｔｉａｌ               ｆｉｘｅｄ               ｔｅｒｍ               ｔｈｅｙ               ｅｌｉｍｉｎａｔｅ               ｔｈｅ               ａｃｃｏｕｎｔｉｎｇ               ｐｒｏｂｌｅｍ               ｏｆ               ｃａｒｒｙｉｎｇ               ｓｕｂｓｔａｎｔｉａｌｌｙ               ｂｅｌｏｗ               ｍａｒｋｅｔ               ｉｎｖｅｓｔｍｅｎｔｓ               ｏｎ               ｔｈｅｉｒ               ｂａｌａｎｃｅ               ｓｈｅｅｔ               ｆａｒ               ｉｎｔｏ               ｔｈｅ               ｆｕｔｕｒｅ.

Ｔｈｅ               ｓｔａｎｄａｒｄ               ｓｔｒｕｃｔｕｒａｌ               ｏｐｔｉｏｎｓ               ｉｎｃｌｕｄｅ               1/1,               3/1,               5/1,               7/1               ａｎｄ               10/1               ｌｏａｎ               ｔｅｒｍｓ.

Ｔｈｅ               ｆｉｒｓｔ               ｎｕｍｂｅｒ               ｒｅｐｒｅｓｅｎｔｓ               ｔｈｅ               ｆｉｘｅｄ               ｔｅｒｍ               ａｎｄ               ｔｈｅ               ｓｅｃｏｎｄ               ｎｕｍｂｅｒ               ｒｅｐｒｅｓｅｎｔｓ               ｔｈｅ               ａｄｊｕｓｔｍｅｎｔ               ｔｅｒｍ               ｔｈｅｒｅａｆｔｅｒ.

Ｔｈｅ               ｓｈｏｒｔｅｒ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｔｅｒｍｓ               ｔｈｅ               ｌｏｗｅｒ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.
               Ｉｎｄｅｘｅｓ               ａｎｄ               ｍａｒｇｉｎｓ
               Ａｎｎｕａｌ               ａｄｊｕｓｔｍｅｎｔｓ               ａｒｅ               ｉｎｄｅｘｅｄ               ａｇａｉｎｓｔ               Ｗａｌｌ               Ｓｔｒｅｅｔ               ｐｕｂｌｉｓｈｅｄ               ｉｎｄｉｃｅｓ               ｓｕｃｈ               ａｓ               Ｃｏｓｔ               ｏｆ               Ｆｕｎｄｓ               Ｉｎｄｅｘ               (ＣＯＦＩ),               Ｌｏｎｄｏｎ               Ｉｎｔｅｒｂａｎｋ               Ｏｆｆｅｒｅｄ               Ｒａｔｅ               (ＬＩＢＯＲ),               ｏｒ               ｂｅｃａｕｓｅ               ｏｆ               ｉｔｓ               ｆａｍｉｌｉａｒｉｔｙ               ｔｏ               ｔｈｅ               ｇｅｎｅｒａｌ               ｐｕｂｌｉｃ               ｔｈｅ               ｍｏｓｔ               ｐｏｐｕｌａｒ               ｉｎｄｅｘ               ｉｓ               ｔｈｅ               1-ｙｅａｒ               ｃｏｎｓｔａｎｔ-ｍａｔｕｒｉｔｙ               Ｔｒｅａｓｕｒｙ               (ＣＭＴ)               ｓｅｃｕｒｉｔｉｅｓ.

Ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｏｆｆｅｒｉｎｇ               ＡＲＭｓ               ｍｉｇｈｔ               ｓｅｌｅｃｔ               ａｎ               ｉｎｄｅｘ               ｗｈｉｃｈ               ｒｅｆｌｅｃｔｓ               ｔｈｅｉｒ               ｃｏｓｔ               ｏｆ               ｂｏｒｒｏｗｉｎｇ               ｏｎ               ｔｈｅ               ｃｒｅｄｉｔ               ｍａｒｋｅｔｓ.

Ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｔｅｒｍ               ｔｈｅ               ｌｅｎｄｅｒ               ｗｉｌｌ               ｔａｋｅ               ｔｈｅ               ｐｒｅｓｃｒｉｂｅｄ               ｉｎｄｅｘ               ｐｒｉｃｅ               ａｎｄ               ａｄｄ               ａ               ｍａｒｇｉｎ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｆｏｒ               ｔｈｅ               ｎｅｘｔ               ｔｅｒｍ.

Ｍａｒｇｉｎｓ               ｒａｎｇｅ               ｂｅｔｗｅｅｎ               2.5%               ａｎｄ               3.0%               ｄｅｐｅｎｄｉｎｇ               ｕｐｏｎ               ｔｈｅ               ｓｐｅｃｉｆｉｃ               ｉｎｄｅｘ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ｔｈｅ               ｐｒｏｇｒａｍ               ａｎｄ               ｉｔｓ               ｈｉｓｔｏｒｙ               ｏｆ               ｖｏｌａｔｉｌｉｔｙ.

Ｔｈｅ               ｓｕｍ               ｏｆ               ｔｈｅ               ｉｎｄｅｘ               ａｎｄ               ｔｈｅ               ｍａｒｇｉｎ               ｒｅｐｒｅｓｅｎｔｓ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｆｏｒ               ｔｈｅ               ｕｐｃｏｍｉｎｇ               ｔｅｒｍ               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅ               ａｎｎｕａｌ               "ｃａｐ"               ｉｓ               ｎｏｔ               ｅｘｃｅｅｄｅｄ.
               Ａｄｊｕｓｔｍｅｎｔ               ａｎｄ               ｌｉｆｅｔｉｍｅ               ｒａｔｅ               ｃａｐｓ
               Ｔｈｅ               ｓｔａｎｄａｒｄ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ               ｏｆｆｅｒ               ｔｈｅ               ｃｏｎｓｕｍｅｒ               ｓｏｍｅ               ｐｒｏｔｅｃｔｉｏｎ               ａｇａｉｎｓｔ               ｅｓｃａｌａｔｉｎｇ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｔｈｒｏｕｇｈ               ｌｉｍｉｔｉｎｇ               ｔｈｅ               ｓｉｚｅ               ｏｆ               ｒａｔｅ               ｉｎｃｒｅａｓｅｓ               ｏｎ               ｅａｃｈ               ａｄｊｕｓｔｍｅｎｔ               ｐｅｒｉｏｄ               ａｎｄ               ｏｖｅｒ               ｔｈｅ               ｌｉｆｅ               ｏｆ               ｔｈｅ               ｌｏａｎ               ｗｈｉｃｈ               ｉｓ               ｎｏｒｍａｌｌｙ               ｂａｓｅｄ               ｏｎ               ａ               ｔｈｉｒｔｙ               ｙｅａｒ               ｐａｙｏｆｆ               ｏｒ               ａｍｏｒｔｉｚａｔｉｏｎ.

Ｔｈｅ               ａｎｎｕａｌ               ｏｒ               ｐｅｒ               ａｄｊｕｓｔｍｅｎｔ               ｃａｐ               ｉｓ               ｎｏｒｍａｌｌｙ               2%.

Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ｉｆ               ｔｈｅ               ｉｎｄｅｘ               ｐｌｕｓ               ｔｈｅ               ｍａｒｇｉｎ               ｅｘｃｅｅｄｓ               2%               ｏｆ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ,               ｔｈｅ               ｎｅｗ               ｒａｔｅ               ｗｉｌｌ               ｂｅ               ｌｉｍｉｔｅｄ               ｔｏ               ｔｈｅ               2%.

Ｔｈｅ               ｌｉｆｅｔｉｍｅ               ｃａｐ               ｉｓ               ｎｏｒｍａｌｌｙ               5%               ｔｏ               6%               ａｂｏｖｅ               ｔｈｅ               ｓｔａｒｔ               ｒａｔｅ               ｏｒ               ｔｈｅ               ｉｎｉｔｉａｌ               ｆｉｘｅｄ               ｒａｔｅ.

Ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｏｆ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｅｖｅｎｔｕａｌｌｙ               ｅｓｃａｌａｔｉｎｇ               ｆｒｏｍ               5%               ｔｏ               10%               ｏｒ               11%               ｃａｎ               ｂｅ               ａ               ｆｒｉｇｈｔｅｎｉｎｇ               ｔｈｏｕｇｈｔ               ｂｕｔ               ｉｔ               ｗｏｕｌｄ               ｔａｋｅ               ｌｏｎｇ               ｔｅｒｍ               ｅｘｔｒｅｍｅ               ｅｃｏｎｏｍｉｃ               ｃｏｎｄｉｔｉｏｎｓ               ｆｏｒ               ｓｕｃｈ               ａｎ               ｅｖｅｎｔ               ｔｏ               ｏｃｃｕｒ.
               Ｈｏｍｅ               ｂｕｙｅｒｓ               ｉｎ               ａ               ｓｔａｇｎａｎｔ               ｏｒ               ｄｅｐｒｅｃｉａｔｉｎｇ               ｍａｒｋｅｔ               ｗｏｕｌｄ               ｎｏｔ               ｎｏｒｍａｌｌｙ               ｃｏｎｓｉｄｅｒ               ａｎ               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅ               ｐａｒｔｉｃｕｌａｒｌｙ               ｔｈｅ               1,               3,               ｏｒ               5               ｙｅａｒ               ｖａｒｉｅｔｙ.

Ｍｉｌｉｔａｒｙ               ｐｅｒｓｏｎｎｅｌ               ｏｎ               ａ               3               ｔｏ               5               ｙｅａｒ               ａｓｓｉｇｎｍｅｎｔ               ｏｒ               ｔｈｏｓｅ               ｐｌａｎｎｉｎｇ               ｔｏ               ｒｅｔｉｒｅ               ｔｏ               ａ               ｄｉｆｆｅｒｅｎｔ               ｌｏｃａｔｉｏｎ               ｍｉｇｈｔ               ｃｏｍｐａｒｅ               ｔｈｅ               ｒａｔｅ               ａｄｖａｎｔａｇｅ               ａｎｄ               ｓａｖｉｎｇｓ               ｏｆ               ａ               7               ｙｅａｒ               ｏｒ               10               ｙｅａｒ               ＡＲＭ               ｔｏ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ａｌｔｅｒｎａｔｉｖｅ.

Ｅｖｅｎ               ｉｆ               ｐｌａｎｓ               ａｒｅ               ｄｅｌａｙｅｄ               Ａｎｄ               ｔｈｅ               ａｄｊｕｓｔｍｅｎｔｓ               ｃｏｍｅ               ｉｎｔｏ               ｐｌａｙ               ｆｏｒ               ａ               ｃｏｕｐｌｅ               ｏｆ               ｙｅａｒｓ,               ｔｈｅｒｅ               ｉｓ               ａ               ｇｏｏｄ               ｃｈａｎｃｅ               ｔｈａｔ               ｔｈｅ               ｓａｖｉｎｇｓ               ｏｖｅｒ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｍｏｒｔｇａｇｅ               ｄｕｒｉｎｇ               ｔｈｅ               ｆｉｘｅｄ               ｒａｔｅ               ｐｅｒｉｏｄ               ｏｆ               ｔｈｅ               ＡＲＭ               ｗｉｌｌ               ｏｆｆｓｅｔ               ｈｉｇｈｅｒ               ｒａｔｅｓ               ｄｕｅ               ｔｏ               ｉｎｔｅｒｅｓｔ               ａｄｊｕｓｔｍｅｎｔｓ.
               Ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅｓ               ｃｕｒｒｅｎｔｌｙ               ｃｏｍｐｒｉｓｅ               ａｐｐｒｏｘｉｍａｔｅｌｙ               15%               ｏｆ               ｔｈｅ               ｒｅａｌ               ｅｓｔａｔｅ               ｌｏａｎｓ               ｉｎ               Ａｍｅｒｉｃａ               ａｎｄ               ａ               ｍｕｃｈ               ｈｉｇｈｅｒ               ｐｅｒｃｅｎｔａｇｅ               ｉｎ               ｔｈｅ               ｒｅｓｔ               ｏｆ               ｔｈｅ               ｗｏｒｌｄ.

Ｔｈｅｙ               ａｒｅ               ｎｏｔ               ｔｈｅ               ｈａｒｂｉｎｇｅｒ               ｏｆ               ｄｉｓａｓｔｅｒ               ｔｈａｔ               ｉｎｔｅｒｅｓｔ               ｏｎｌｙ               ｍｏｒｔｇａｇｅｓ,               ｎｅｇａｔｉｖｅ               ａｍｏｒｔｉｚａｔｉｏｎ               ｍｏｒｔｇａｇｅｓ               ａｎｄ               ｂａｌｌｏｏｎ               ｐａｙｍｅｎｔ               ｍｏｒｔｇａｇｅｓ               ｗｅｒｅ               ｉｎ               ｔｈｅ               ｐａｓｔ.

Ｔｈｏｓｅ               ｌｏａｎ               ｉｎｓｔｒｕｍｅｎｔｓ               ｗｅｒｅ               ｕｓｕａｌｌｙ               ｎｏｔ               ｔｈｅ               ｅｌｅｃｔｉｖｅ               ｏｆ               ｔｈｅ               ａｐｐｌｉｃａｎｔ               ｂｕｔ               ａ               ｍｅａｎｓ               ｆｏｒ               ｔｈｅ               ｍａｒｇｉｎａｌｌｙ               ｑｕａｌｉｆｉｅｄ               ｔｏ               ｓｅｃｕｒｅ               ｌｏａｎ               ａｐｐｒｏｖａｌ.

Ｗｈｅｎ               ｃｏｎｓｉｄｅｒｉｎｇ               ｄａｎｇｅｒｏｕｓ               ｍｏｒｔｇａｇｅ               ｐｒｏｇｒａｍｓ               ｈａｖｉｎｇ               ｂｅｅｎ               ｔｈｅ               ｏｎｌｙ               ｏｐｔｉｏｎ               ｆｏｒ               ｍａｒｇｉｎａｌｌｙ               ｑｕａｌｉｆｉｅｄ               ｂｏｒｒｏｗｅｒｓ,               ｉｔ               ｉｓ               ｎｏｔ               ｓｕｒｐｒｉｓｉｎｇ               ｔｈａｔ               ｆｏｒｅｃｌｏｓｕｒｅｓ               ｈａｖｅ               ｂｅｃｏｍｅ               ｒａｍｐａｎｔ.
               Ｔｈｅ               ｍａｒｋｅｔ               ｆｏｒ               ＡＲＭｓ               ｉｓ               ｃｏｎｓｔａｎｔｌｙ               ｉｎ               ｆｌｕｃｔｕａｔｉｏｎ               ｓｏ               ａｔ               ａｎｙ               ｇｉｖｅｎ               ｔｉｍｅ               ｔｈｅｙ               ｍａｙ               ｎｏｔ               ｏｆｆｅｒ               ｅｎｏｕｇｈ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ａｄｖａｎｔａｇｅ               ｔｏ               ｊｕｓｔｉｆｙ               ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｉｎｃｒｅａｓｅ               ａｔ               ｔｈｅ               ｔｉｍｅ               ｏｆ               ａｄｊｕｓｔｍｅｎｔ.

Ｈｏｗｅｖｅｒ               ｗｈｅｎ               ｔｈｅ               ｍａｒｋｅｔ               ｃｏｎｄｉｔｉｏｎｓ               ａｌｌｏｗ,               ｔｈｅ               ｎｕｍｂｅｒｓ               ｏｎ               ａ               10/1               ａｄｊｕｓｔａｂｌｅ               ｒａｔｅ               ｍｏｒｔｇａｇｅ               ｐｒｉｃｅｄ               ａｔ               .375%               ｂｅｌｏｗ               ａ               30               ｙｅａｒ               ｆｉｘｅｄ               ｒａｔｅ               ｌｏａｎ               ａｒｅ               ｄｉｆｆｉｃｕｌｔ               ｔｏ               ｉｇｎｏｒｅ               ｐａｒｔｉｃｕｌａｒｌｙ               ｏｎ               ｈｉｇｈ               ｂａｌａｎｃｅ               ｍｏｒｔｇａｇｅｓ.
               Ｔｈｅ               ｅｖｏｌｕｔｉｏｎａｒｙ               Ａｕｔｏｍａｔｉｃ               Ｒａｔｅ               Ｃｕｔ               (ＡＲＣ)               ｍｏｒｔｇａｇｅ               ｉｓ               ａ               ｆｉｘｅｄ               ｒａｔｅ               ｌｏａｎ               ｔｈａｔ               ｌｏｗｅｒｓ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｗｈｅｎ               ｒａｔｅｓ               ｇｏ               ｄｏｗｎ,               ｂｕｔ               ｎｅｖｅｒ               ｇｏｅｓ               ｂａｃｋ               ｕｐ.

Ｎｅｖｅｒ               ｒｅｆｉｎａｎｃｅ               ａｇａｉｎ.

Ｔｈｅ               ｍｏｒｔｇａｇｅ               ｉｓ               ａｕｔｏｍａｔｉｃａｌｌｙ               ｒｅｃａｓｔ               ａｔ               ｔｈｅ               ｌｏｗｅｒ               ｒａｔｅ               ｗｉｔｈ               ｎｏ               ｃｏｓｔ               ｔｏ               ｔｈｅ               ｃｏｎｓｕｍｅｒ.

Ｉｔ               ｈａｓ               ｂｅｅｎ               ｆｅａｔｕｒｅｄ               ｏｎ               ＡＢＣ,               ＣＢＳ,               Ｍｏｎｅｙ,               ＴＩＭＥ,               ａｎｄ               ｍｏｒｅ.

Ｖｉｓｉｔ               ｈｔｔｐ://ｗｗｗ.ａｒｃ-ｍｏｒｔｇａｇｅ.ｃｏｍｆｏｒ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ.

Ｖｉｓｉｔ               ｈｔｔｐ://ｗｗｗ.ｏｎｌｉｎｅｍｏｒｔｇａｇｅｒｅｓｏｕｒｃｅｓ.ｃｏｍｆｏｒ               ｃｏｍｐｒｅｈｅｎｓｉｖｅ               ｉｎｓｉｇｈｔ               ｉｎｔｏ               ｌｏａｎ               ａｎｄ               ｒｅａｌ               ｅｓｔａｔｅ               ｍａｔｔｅｒｓ.






Image of accounting standard 10






accounting standard 10
accounting standard 10


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accounting standard 10
accounting standard 10


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accounting standard 10
accounting standard 10


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accounting standard 10
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