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By Bob Dole
The industrious island has proved itself worthy of U.S. inclusion
Topic - Alex Lieb
Adjustable-rate mortgages (ARMs) have garnered some bad press during the recent housing crisis, often getting lumped in with other types of mortgages, such as interest-only, zero-down-payment and "pay-what-you-want" loans, as products that could be dangerous for homeowners.
"Homeowners with an ARM that is about to reset will receive a notice about their new rate," Mr. Lieb says. "At that time, they should contact their lender to talk about the possibilities for refinancing and compare their options with another lender, too."
"Even someone with a credit score of 680 might not qualify, depending on the reason for their score, such as having too many credit lines open or using too much credit compared with the credit limit," Mr. Lieb says. "If they are having a dispute with a creditor that shows up on their credit report, that could cause the underwriter to deny the loan, at least until the dispute is cleared up."