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Company Loan Type APR Est. Pmt.

Have a ARM - What are current Laws

Posted on: 16th Jan, 2008 07:35 pm
Now have a current interest rate of 7.15%. Note reads can increase to 10.15%. Based on 6mos LIBOR in February. With all that Congress and the President are doing about these type of loans. Can they go up that much now? Or has a law been passed that they can't go up that much.
I though there were laws being passed that were not going to let that happen.
I'm in Texas
hi,

i don't think there is any law yet to prevent the arm to go up but you may refinance the arm to a fixed rate mortgage to lower the interest rate and you may do this even if you default in making the payments after the adjustment of the arm.
Posted on: 16th Jan, 2008 09:51 pm
Posted on: 17th Jan, 2008 04:05 am
Hi Anthony,

The government can't "force" lenders to retroactively change a contract. So it is being done on a voluntary basis......What is the value of your house? How much do you owe on it? What are your credit scores? Have you considered a refi?
Posted on: 17th Jan, 2008 06:11 am
Hi anthonytodd24,

I would suggest looking into a refinance. Right now fixed rates are 5.50% on a 30 year mortgage. The timing is perfect with rates being low, so take advantage of it.
Posted on: 19th Jan, 2008 07:23 pm
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