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That's correct and my advice is ride it and if you want to create equity base your payment on 5% and pay that the extra will reduce the principal balance and the payment and interest will be recalculated each month saving you money.If I'm correct and please check your NOTE for sure that your max rate will be capped at 5% above the initial change in other words the highest your rate wll get while you are in this mortgage will be 8.2% -Paying above the P&I will offset future rate adjustments.Happy Holidays
Just call the number on your account statement and ask them. You should have no problem.
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