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  What is an adjustable-rate mortgage (ARM)?
  
  An ARM is a mortgage loan that has an interest rate that can change regularly throughout the life of the loan. Most ARMs are subject to change just as soon as per year. Some can have a fixed rates of interest for a defined variety of years at the start of the loan and then change yearly after that. For example a 3/1 ARM has a set rate for the very first three years of the loan and then can change as soon as a year after that.
  
  Your loan paperwork will specify how typically your rate can change in addition to the minimum and maximum quantity it can change each duration and just how much it can alter over the life of the loan.
  
  When the rate on an ARM modifications, the payment will change. That's why your Seattle Cooperative credit union mortgage specialist will make certain that you can manage your loan at the preliminary rate in addition to at the maximum rate. The last thing you desire is to have your payment increase beyond what you can manage to pay. Seattle Credit Union is committed to making certain that our members do not discover themselves in this scenario.
  
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