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AhaBulb: Stuff Everyone Should Know · ahabulb.com/home-arm-index-margin

On an adjustable-rate mortgage, how is your new rate figured after the teaser period?

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  1. Your current credit score
  2. The index plus the margin
  3. The lender's yearly average rate

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References

  1. CFPB: ARM index and margin www.consumerfinance.gov/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949 Checked 2026-10-10.
  2. CFPB: ARM rate caps www.consumerfinance.gov/ask-cfpb/what-are-rate-caps-with-an-adjustable-rate-mortgage-arm-and-how-do-they-work-en-1951 Checked 2026-10-10.

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