| of the loan, ie. a 6 Month ARM is fixed for the first six months and adjusts every six months afterwards. california adjustable rate mortgage 2/28 "Hybrid ARM" is a 6 month ARM that the borrower has purchased a "Rate Lock" or introductory rate for the first 2 years (this is also done in 3,5,7 year fixed periods), and then the loan becomes a 6 month ARM thereafter, rather than a loan that does only adjust every california adjustable rate mortgage years. The benefits This loan product has actually lowered the costs of borrowing in the early years of loans, but |
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