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Standard Mortgage Blog

Mortgages, Refinance

Understanding Mortgage Refinances: What Costs are Involved in a Refi?

Refinancing a mortgage may be asmart financial decision. It allows homeowners to lower their monthly payments, reduce the total interest paid over the life of the loan, or access cash for other needs. However, there are costs involved that homeowners should consider before proceeding. By understanding the basics, you can prepare for the financial implications of refinancing and engage in..

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Mortgages

Adjustable Rate Mortgages: Navigating Your First Rate Adjustment

Adjustable Rate Mortgages (ARMs) are home loans with interest rates that can change over time. They typically have a fixed rate for an initial period which is lower than the current market rate for a fixed loan. Most ARMs offer this introductory low rate for a period of 5, 7, or 10 years and then adjust periodically based on market conditions. The lowest starting rates are found on loans that..

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Mortgages, Fixed Rate Mortgage

Understanding Fixed-Rate Mortgages: What Can Cause Your Payment Amount to Change

Fixed-rate mortgages are often chosen for their stability and predictability, offering homeowners the peace of mind that their interest rate will remain constant throughout the life of the loan. However, even with a fixed-rate mortgage, your monthly payment amount isn't always set in stone. Various factors can lead to fluctuations in your payment amount over the life of your loan.

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