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Mortgage Rates and The Fed About ARM rates. At a 3.125% initial mortgage interest rate, the Annual Percentage Rate (APR) for this loan type is 4.244%, subject to increase.Based on current market conditions, the monthly payment schedule would be: 60 payments of $428.38 at an interest rate of 3.125%, and 300 payments of $508.02 at an interest rate of 4.750%
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