Enter the Following Information 
Basic Loan Information 
New Loan Amount or Existing Loan Balance (e.g. 100000) 


Initial Interest Rate on New Loan or Current Rate on Existing Loan (e.g. 7.50) 


New Loan Term or Remaining Term on Existing Loan, in Months (e.g. 360) 


Optional: Number of Years New Loan is InterestOnly 


Interest Rate Index 
Current Value of ARM Interest Rate Index ( e.g 1.54 ) 


Margin That is Added to Interest Rate Index (e.g. 2.75) 


First Rate Adjustment 
Number of Months to First Rate Adjustment (e.g. 36) 


Maximum Interest Rate Change on First Rate Adjustment (e.g. 5.0) 


Subsequent Rate Adjustments 
Duration, in Months, Between Subsequent Rate Adjustments (e.g. 12) 


Maximum Interest Rate Change on Subsequent Rate Adjustments (e.g. 2.0) 


Maximum / Minimum Rates 
Maximum Interest Rate Over Life of Mortgage (e.g. 12.5) 


Minimum Interest Rate Over Life of Mortgage (e.g. 4.5) 


Assumptions About Future Interest Rates 
Stable Index: — Interest Rate Index Stays Unchanged for Life of Mortgage 
Worst Case: — Interest Rate Index Rises By Maximum Allowable Amount at Each Rate Adjustment 

Annual Change to Begin in Year 
For x Years 
Percent Per Year 
Upward Movement: — Index Rises: 



Downward Movement: — Index Declines: 





Years Between Direction Changes 
Percent Change Per Year 
Volatile: Interest Rate Index Rises, Then Declines: 


Volatile: Interest Rate Index Declines, Then Rises: 

