浮动利率贷款对您是否合适

A LIBOR ARM may be for you if you:

     •  are seeking to lower your interest rate and monthly cash flow.

     •  are looking to minimize your monthly payment.

     •  want to take advantage of the equity in your house.  This is a good refinance program for those who want to consolidate consumer debt such as credit cards.

   

Any ARM is a good idea if:
 
     •  ARM interest levels are significantly below fixed-rate interest charges.

     •  you anticipate a higher income in the future.

    •  you won’t be staying in the house for more than five years (especially if you  have a locked-in rate for the first three, five or seven years).

ARMs are NOT a good idea if:

     •  high closing costs offset the low interest rate.

     •  initial rates are comparable to fixed-rate loan rates.