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5-Year ARM Rates with FHA

5-Year FHA Rates

Many first time home buyers choose the 5/1 ARM because it maximizes payment power with the lowest possible monthly payment. With the FHA 5/1 ARM, borrowers get the comfort of knowing they have a loan with a mortgage rate that is fixed for five years. After the 5-year period, this loan becomes an adjustable rate mortgage and potentially the interest rate can rise. Many loan professionals refer to the 5/1 ARM as a hybrid loan because it is both a fixed and adjustable rate mortgage. Of course there is more risk with a loan that carries a variable rate, so this loan is not for everyone.

Recent changes to FHA guidelines have altered the requirements for these mortgages, including an increase in upfront insurance, using a combination of credit scores and down payments for new borrower programs, and reducing allowable seller concessions from 6% to 3%.

Our Mortgage lenders offer a variety of terms with affordable FHA rates.
30-Year FHA Rates 15-Year FHA Rates 5-Year ARM Rates



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All FHA products are provided by FHA Home Loan Services, which may arrange loans with third party providers. FHLS is national lender. Not everyone will qualify for a government insured mortgage. FHLS cannot guarantee all loans will be made or whether all loan applications will be approved by the investing bank. This is not a commitment for a FHA house loan or an advertisement for credit as defined by paragraph 226.24 of regulation Z.
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