If you have an ARM loan and you're about to go into your "adjustment period", you should consider using a mortgage interest calculator regularly to better understand how the changes will affect your monthly payment. By using a mortgage interest calculator, you'll be able to see what's coming down the road. It may also convince you to refinance into a fixed rate mortgage, but the most important thing is to be educated about your mortgage and to plan ahead accordingly. Using mortgage interest calculators can help arm you for smart decision making.
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