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2. How to refinance your ARM into a fixed-rate mortgage - AOL

   www.aol.com/finance/refinance-arm-fixed-rate...

   An ARM is a mortgage that starts with an initial fixed-rate period — usually 3, 5, 7 or 10 years — with rates that may be lower than what a conventional fixed-rate loan would offer.

3. Annual percentage rate - Wikipedia

   en.wikipedia.org/wiki/Annual_percentage_rate

   The nominal APR is calculated by multiplying the interest rate for a payment period by the number of payment periods in a year. [3] However, the exact legal definition of "effective APR", or EAR, can vary greatly in each jurisdiction, depending on the type of fees included, such as participation fees, loan origination fees, monthly service charges, or late fees.

4. Adjustable-rate mortgage - Wikipedia

   en.wikipedia.org/wiki/Adjustable-rate_mortgage

   Countries where fixed rate loans are the common form of loan for a house purchase usually need to have a specific legal framework in place to make this possible. For example, in Germany and Austria the popular Bausparkassen, a type of mutual building societies, offer long-term fixed rate loans. They are legally separate from banks and require ...

5. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   The FICO bankcard score, FICO auto score, FICO personal finance score, and FICO installment loan score are between 250 and 900. The FICO Mortgage Score and FICO Score XD 2 are between 300 and 850. [19] [20] Higher scores indicate lower credit risk. [21]

6. Savings interest rates today: Ring in the new year with APYs ...

   www.aol.com/finance/savings-interest-rates-today...

   The FDIC is an independent government agency charged with maintaining stability and public confidence in the U.S. financial system and providing insurance on consumer deposit accounts.

7. Flat rate (finance) - Wikipedia

   en.wikipedia.org/wiki/Flat_rate_(finance)

   In accounting and finance, flat interest rate mortgages and loans calculate interest based on the amount of money a borrower receives at the beginning of the loan. However, if repayment is scheduled to occur at regular intervals throughout the term, the average amount to which the borrower has access is lower and so the effective or true rate ...

8. Payday loan - Wikipedia

   en.wikipedia.org/wiki/Payday_loan

   This is an accepted version of this page This is the latest accepted revision, reviewed on 17 January 2025. Short-term unsecured loan A shop window in Falls Church, Virginia, advertising payday loans. A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a short-term unsecured loan, often characterized by high interest ...

9. Foreclosure - Wikipedia

   en.wikipedia.org/wiki/Foreclosure

   Foreclosure is a legal process in which a lender attempts to recover the balance of a loan from a borrower who has stopped making payments to the lender by forcing the sale of the asset used as the collateral for the loan.