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A 5/1 ARM works in much the same way as a 10/1 ARM, but the initial, fixed-rate period is shorter – just five years. Generally, the interest rate on the 10/1 will be a little higher than the 5/1.
For the first 10 years, the interest rate on a 10/6 or 10/1 ARM stays the same every month, just like a fixed-rate mortgage. But after that decade ends, it becomes a variable rate, and continues ...
The "hybrid" refers to the ARM's blend of fixed-rate and adjustable-rate characteristics. Hybrid ARMs are referred to by their initial fixed-rate and adjustable-rate periods, for example, 3/1, is for an ARM with a 3-year fixed interest-rate period and subsequent 1-year interest-rate adjustment periods.
Rates on a 15-year mortgage stand at an average 5.38% for purchase and 5.39% for refinance, unchanged from 5.38% for purchase and down 1 basis point from 5.40% for refinance over the past week.
The handkerchief code (also known as the hanky/hankie code, the bandana/bandanna code, and flagging) [1] is a system of color-coded cloth handkerchief or bandanas for non-verbally communicating one's interests in sexual activities and fetishes. The color of the handkerchief identifies a particular activity, and the pocket it is worn in (left or ...
of or relating to the arm Latin bracchium, from Greek βραχίων (brakhíōn), arm brachium of inferior colliculus: brachy-indicating 'short' or less commonly 'little' Greek βραχύς (brakhús), short, little, shallow brachycephalic: brady-slow Greek βραδύς (bradús), slow bradycardia, bradyzoite: bronch(i)-of or relating to the ...
The attribution of SNAFU to the American military is not universally accepted: it has also been attributed to the British, [10] although the Oxford English Dictionary gives its origin and first recorded use as the U.S. military. [6]
10-5 Relay. Relay (To) Relay 10-6 Busy. Busy, stand by Busy -Stand by unless urgent Busy Busy 10-7 Out of service. Out of service (Give location and/or telephone number) Out of Service Out at ... Out of Service 10-7 A — Not Available 10-7 B Off Radio 10-8 In service. In Service Clear In Service 10-9 Repeat, conditions bad. Repeat Say Again 10-10