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Are Adjustable Rates The Better Option

Adjustable rate mortgages (ARM), developed when mortgage interest rates were high, can help you finance the purchase of a home with low interest rates. An ideal choice for those who expect their income to rise or move in a couple of years, an ARM also increases your risk for higher payments. Fortunately, lenders also offer safeguards to limit some of your risk to excessively high interest rates.  -!

ARM Features

An ARM starts with a low interest rate, up to 3.25% lower than a fixed rate mortgage. With lower rates, you usually qualify to borrow more than with a fixed rate home loan.

ARMs usually start with a fixed rate period and end with fluctuating yearly interest rates, increasing or decreasing your monthly payment. So a 3/1 ARM means 3 years of fixed rates with interest rates changing every year after that. Interest rates are based on an index, usually the rate on the T-bill and the margin the lender adds to the index.

ARM Safeguards

In order to protect borrowers from sky-rocketing monthly payments, mortgage lenders put in place safeguards. For example, a point cap limits how much interest rates can rise monthly and over the life of the loan. There are also ceiling limits on how low rates can go, protecting the lender.

Another safeguard is a dollar cap on monthly payments. However, if interest rates rise higher than the dollar cap allows, you may end up with a longer loan. Many financing companies also allow you to convert your ARM to a fixed rate mortgage after a predetermined period.  -

ARM Considerations

While an ARM has many benefits, there are other considerations to look at. For instance, interest rates can rise 6% or more over the course of your home loan. If you plan to stay in your home for several years, a fixed rate may offer lower interest costs in the long term. ARMs are also unpredictable, which makes planning long term financing goals difficult.

Before you apply for an ARM, make sure you are comfortable with the level of risk involve. However, if you expect your income to rise in the future or to move, then you may be saving yourself a lot of money in interest payments with an ARM. -

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Window tints are a great way for you to save money and keep your house cool. Learn more by checking out our guide on window tinting.

Keeping your Home Cool

Window tint will help you avoid getting very hot in the summer because it will allow cold air to enter the house. You won’t have to run your AC unit as much as window tint will help you trap the cold air inside, thus resulting in a longer AC unit lifespan. When your windows are properly tinted, you will not only be able to run your air conditioner less, but you will also protect your furniture from harmful UV rays that could cause damage. Keep your home cool while you save money by properly applying tint to your windows. Here are some more benefits to having window tint in your home.

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Cheaper than Replacing your Windows

If your windows are causing a lot of heat loss or even heat gain, then it may be time to replace them. However, you must keep in mind that replacing windows can be very expensive. Although replacing windows can be a good option, you also need to keep in mind that it can be very expensive to replace windows. You can easily work around this by investing in a quality window tint. You will get a good return on your money and you can save money for a good number of years. Window tinting is a very energy efficient solution and it is a fantastic way for you to keep your home cooler without breaking the bank.

Protecting your Furniture

When the sun shines brightly on your home, it can cause severe problems for your furniture, carpets and rugs. It is estimated that UV rays caused by the sun can cause up to 60% of the damage that you will suffer in your home over time. Window tints are a very good option here as they can help you completely stop getting UV rays from entering your house. This means that your furniture can stay intact for way longer while saving you money.

Great ROI

Window tinting is a very energy-efficient option, and it comes with a very high level of return on your investment, too. You could save up to 50% on your energy bills by using window tinting. In fact, with these energy savings, your window tinting ends up paying for itself. It can do this in as little as 3 years. Window tints are a great way to save money, and you will be amazed at how much it can save you. Try it out for your home today and see how much money you can save by installing window tints. Visit ClimatePro.com to see how you can start saving money today!

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