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Reply to "found a perfect house but PITI would be 25 percent of our monthly gross income."
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[quote=Anonymous]Had a situation like this not long ago needed the lower payment but wanted the house. Took an ARM loan. Arm had the lower payment by $450 used the extra to pay down debts. moving in year 7 anyway so no refi cost. If you will never move or never refi this wouldn't be the best option. I had a temporary need so I looked at it differently. How many people get a fixed rate and move 4 years later or refi because they did a home renovation. My rate is 2.2% it would not have worked for us otherwise.[/quote]
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