Vinson Bunting
speaker
181 appearances
1 recordings
1 series
first heard Jan 2025
last heard Jan 2025
Vinson Bunting’s voice in public audio — every appearance, attributed to the second.
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Appearances
What should people know about them?
Yeah.
So it's a great question.
So adjustable rate mortgages are not super common.
Essentially, the way they work is your interest rate is fixed for the first however many years.
Typically, it's three, five, seven, or even 10 years in some cases.
And after that point, the rate will adjust annually, typically.
Okay.
Sometimes they adjust every six months.
It just depends on your lender and kind of what you're looking for.
Most commonly, it's every year.
Your rate could go up or down.
It just depends on what rates have done up to that point.
Fixed rate, obviously, your rate is fixed for the entire term of your loan.
You are locked in.
Whether it's 15, 20, 25, or 30 years, it does not change.
Your principal and interest stays exactly the same the entire time.
Well, I think it's just the fact that you are – it's the certainty.
The certainty, yeah.
The certainty.
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