Adjustable Rate Mortgage "ARM Loan" ... Avoid this Scam!

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Adjustable Rate Mortgage (ARM Loan):
Is it Right for You? What You Need to Know, and What to Avoid...!

In this video, I break down the intricacies of adjustable-rate mortgages (ARM loans). I explain key components such as the initial interest rate, adjustment intervals, index, margin, and caps on interest rate changes. I provide a detailed example to illustrate how payments adjust over time and compare the pros and cons of ARM loans.

I also highlight the biggest scam in ARM loans and advise viewers on how to avoid it... Plus a special gift for staying engaged. Ideal for those considering commercial real estate investments, this video offers easy-to-understand, actionable insights.

00:00 Introduction to ARM Loans
00:22 Understanding Fixed Rate Mortgages
00:22 Adjustable Rate Mortgages Explained
00:29 Components of an ARM Loan
00:36 ARM Loan Components Breakdown
00:50 Adjustment Intervals
01:07 Hybrid ARM Loans
01:31 Teaser Rates
01:48 Understanding the Index
02:08 The Margin Component
02:16 Calculating New Interest Rates
02:34 Interest Rate Caps
03:08 Payment Caps
03:30 Interest Rate Floor and Ceiling
03:55 Real Life Example: ARM Loan Payments
05:04 First Adjustment Interval
05:58 Second Adjustment Interval
06:17 Third Adjustment Interval
06:30 Pros of ARM Loans
06:43 Cons of ARM Loans
07:05 Is an ARM Loan Right for You?
07:42 The Option ARM Scam
09:02 Negative Amortization
09:12 Predatory Lending Warning
09:21 Key Questions to Consider
09:21 Risk Tolerance and Stability
09:21 Final Thoughts on ARM Loans
09:29 Explore More - Mortgage Principal and Interest