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It is riskier if you don't expect your income to increase over the initial five-year period to cover the change in monthly payment. You want a fixed rate longer than three years. Manual underwriting is acceptable. Interest rate can rise above the current fixed rate over time. You want to qualify for a higher loan amount with lower payments. 51 YEAR ARM (LAND) You are looking to purchase improved or unimproved property.
You want to purchase land now and build later. Washington State properties only.