{"id":1991,"date":"2022-07-04T03:28:29","date_gmt":"2022-07-04T03:28:29","guid":{"rendered":"https:\/\/blog.ark7.com\/?p=1991"},"modified":"2023-05-18T02:57:11","modified_gmt":"2023-05-18T02:57:11","slug":"adjustable-rate-mortgage","status":"publish","type":"post","link":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/","title":{"rendered":"Adjustable-Rate Mortgage"},"content":{"rendered":"<div class=\"boldgrid-section\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12 col-md-12 col-xs-12 col-sm-12\">\n<h2 class=\"\"><b><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1993\" src=\"https:\/\/blog.ark7.com\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350.png\" alt=\"\" width=\"1000\" height=\"350\" srcset=\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350.png 1000w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-300x105.png 300w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-768x269.png 768w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-250x88.png 250w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-550x193.png 550w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-800x280.png 800w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-514x180.png 514w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_header-1000_350-857x300.png 857w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/b><\/h2>\n<h2 class=\"\"><b>What is an adjustable-rate mortgage?<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">An adjustable-rate mortgage (ARM) is a type of mortgage in which the interest rate on the loan varies with prevailing market rates. This means that, over time, the monthly payment amount may go up or down, depending on the current interest rates set by the Fed. ARMs are often used when interest rates are low, to provide more affordable monthly payments. However, they can also be risky if interest rates rise sharply.<\/span><\/p>\n<p class=\"\"><span style=\"font-weight: 400;\">An adjustable-rate mortgage may be a good choice for you if:<\/span><\/p>\n<ul class=\"\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You plan on being in your home for only a few years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want to take advantage of a low initial interest rate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your credit score is\u00a0 above the average.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can afford to make higher monthly payments if interest rates go up.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You want a 30-year mortgage and a lower interest rate.<\/span><\/li>\n<\/ul>\n<p class=\"\"><span style=\"font-weight: 400;\">An ARM may not be a good idea over a fixed-rate mortgage (FRM) if:<\/span><\/p>\n<ul class=\"\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You think interest rates will go up in the future.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You don&#8217;t want to deal with the hassle of refinancing every few years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You plan on living in your home for a long time, or are already retired and will not be moving soon.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You don&#8217;t have enough income or stable income\u00a0 to qualify for a traditional mortgage.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When considering an adjustable-rate mortgage, it&#8217;s important to watch out for the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The possibility that interest rates could rise significantly over the life of the loan, resulting in much higher monthly payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The &#8220;margin,&#8221; or difference, between the initial interest rate and the maximum allowed interest rate. The smaller this margin, the less risky the ARM loan is.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The &#8220;cap,&#8221; or maximum increase, in the interest rate over the life of the loan. A cap at two percentage points is good, while a five-point cap is not as desirable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fees. Fees associated with an ARM can be higher than those for a fixed-rate mortgage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rate Change. ARM rates can change every month, every six months, or once a year. This will be spelled out in your loan agreement.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Terms. The terms of an ARM vary widely, depending on the lender and the borrower. For example, adjustable-rate mortgages can have a fixed period (the term during which your interest rate will not change) that spans anywhere from one month to ten years. After this period, the rate is subject to change every month or year\u2014or whenever specified by your contract.<\/span><\/li>\n<\/ul>\n<h2 class=\"\"><b>Adjustable-rate mortgage case study<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">Let&#8217;s say you take out a 30-year ARM on a $625K home with an initial interest rate of just under 4%. That seems like a great deal, especially since the interest rate can only go up by two percentage points over the life of the loan. However, if interest rates rise to 6% or more, your monthly payment for a $500K mortgage could jump from $2,387 to $2,998\u2014an increase of almost 26%.<\/span><\/p>\n<h2 class=\"\"><b>The bottom line<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">An adjustable-rate mortgage, or ARM, is a type of mortgage in which the interest rate changes periodically. This means that the monthly payment can also change over time. ARMs are often used when interest rates are low, to provide more affordable monthly payments. However, they can also be risky if interest rates rise sharply.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ARMs are becoming more and more popular these days because they offer borrowers a lower initial interest rate than what they would get with a traditional fixed-rate mortgage. There are different types of ARMs out there, so it\u2019s important to understand all of the terms before you sign on the dotted line.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be sure to watch out for the possibility that interest rates could rise significantly over the life of the loan, and make sure you can afford to make higher monthly payments if that happens.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What is an adjustable-rate mortgage? An adjustable-rate mortgage (ARM) is a type of mortgage in which the interest rate on the loan varies with prevailing market rates. This means that, over time, the monthly payment amount may go up or down, depending on the current interest rates set by the Fed. ARMs are often used &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\"> <span class=\"screen-reader-text\">Adjustable-Rate Mortgage<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":12,"featured_media":1992,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[107],"tags":[236,342,341],"class_list":["post-1991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glossary","tag-adjustable-rate-mortgage","tag-fixed-rate-mortgage","tag-mortgage-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is an Adjustable-Rate Mortgage?<\/title>\n<meta name=\"description\" content=\"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it&#039;s the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an Adjustable-Rate Mortgage?\" \/>\n<meta property=\"og:description\" content=\"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it&#039;s the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Ark7\" \/>\n<meta property=\"article:published_time\" content=\"2022-07-04T03:28:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-18T02:57:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_featured-585_330.png\" \/>\n\t<meta property=\"og:image:width\" content=\"585\" \/>\n\t<meta property=\"og:image:height\" content=\"330\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"The Ark7 Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Ark7 Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\"},\"author\":{\"name\":\"The Ark7 Team\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/5ab2b507abb19df7b43e8c52cd6127a8\"},\"headline\":\"Adjustable-Rate Mortgage\",\"datePublished\":\"2022-07-04T03:28:29+00:00\",\"dateModified\":\"2023-05-18T02:57:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\"},\"wordCount\":626,\"publisher\":{\"@id\":\"https:\/\/ark7.com\/blog\/#organization\"},\"keywords\":[\"Adjustable-Rate Mortgage\",\"Fixed-Rate Mortgage\",\"Mortgage Rates\"],\"articleSection\":[\"Glossary\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\",\"url\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\",\"name\":\"What is an Adjustable-Rate Mortgage?\",\"isPartOf\":{\"@id\":\"https:\/\/ark7.com\/blog\/#website\"},\"datePublished\":\"2022-07-04T03:28:29+00:00\",\"dateModified\":\"2023-05-18T02:57:11+00:00\",\"description\":\"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it's the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.\",\"breadcrumb\":{\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ark7.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Adjustable-Rate Mortgage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ark7.com\/blog\/#website\",\"url\":\"https:\/\/ark7.com\/blog\/\",\"name\":\"Ark7\",\"description\":\"Learning Center\",\"publisher\":{\"@id\":\"https:\/\/ark7.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ark7.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ark7.com\/blog\/#organization\",\"name\":\"Ark7\",\"url\":\"https:\/\/ark7.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png\",\"contentUrl\":\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png\",\"width\":270,\"height\":72,\"caption\":\"Ark7\"},\"image\":{\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/5ab2b507abb19df7b43e8c52cd6127a8\",\"name\":\"The Ark7 Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ark7.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3a59cc52539b343392711ff54022ff61538d678c0ce0927f48b8fc843fff058e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3a59cc52539b343392711ff54022ff61538d678c0ce0927f48b8fc843fff058e?s=96&d=mm&r=g\",\"caption\":\"The Ark7 Team\"},\"url\":\"https:\/\/ark7.com\/blog\/author\/blog\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is an Adjustable-Rate Mortgage?","description":"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it's the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/","og_locale":"en_US","og_type":"article","og_title":"What is an Adjustable-Rate Mortgage?","og_description":"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it's the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.","og_url":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/","og_site_name":"Ark7","article_published_time":"2022-07-04T03:28:29+00:00","article_modified_time":"2023-05-18T02:57:11+00:00","og_image":[{"width":585,"height":330,"url":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/07\/Adjustable_Rate_Mortgage_featured-585_330.png","type":"image\/png"}],"author":"The Ark7 Team","twitter_card":"summary_large_image","twitter_misc":{"Written by":"The Ark7 Team","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#article","isPartOf":{"@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/"},"author":{"name":"The Ark7 Team","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/5ab2b507abb19df7b43e8c52cd6127a8"},"headline":"Adjustable-Rate Mortgage","datePublished":"2022-07-04T03:28:29+00:00","dateModified":"2023-05-18T02:57:11+00:00","mainEntityOfPage":{"@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/"},"wordCount":626,"publisher":{"@id":"https:\/\/ark7.com\/blog\/#organization"},"keywords":["Adjustable-Rate Mortgage","Fixed-Rate Mortgage","Mortgage Rates"],"articleSection":["Glossary"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/","url":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/","name":"What is an Adjustable-Rate Mortgage?","isPartOf":{"@id":"https:\/\/ark7.com\/blog\/#website"},"datePublished":"2022-07-04T03:28:29+00:00","dateModified":"2023-05-18T02:57:11+00:00","description":"Learn about adjustable-rate mortgages (ARMs), a type of mortgage in which the interest rate varies with market rates. Discover the benefits and risks of ARMs, and determine if it's the right choice for you. Understand factors such as initial interest rates, caps, fees, and rate changes. Consider your financial situation and long-term plans before opting for an ARM.","breadcrumb":{"@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ark7.com\/blog\/learn\/glossary\/adjustable-rate-mortgage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ark7.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Adjustable-Rate Mortgage"}]},{"@type":"WebSite","@id":"https:\/\/ark7.com\/blog\/#website","url":"https:\/\/ark7.com\/blog\/","name":"Ark7","description":"Learning Center","publisher":{"@id":"https:\/\/ark7.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ark7.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ark7.com\/blog\/#organization","name":"Ark7","url":"https:\/\/ark7.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png","contentUrl":"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/05\/cropped-cropped-logo.png","width":270,"height":72,"caption":"Ark7"},"image":{"@id":"https:\/\/ark7.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/5ab2b507abb19df7b43e8c52cd6127a8","name":"The Ark7 Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ark7.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/3a59cc52539b343392711ff54022ff61538d678c0ce0927f48b8fc843fff058e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3a59cc52539b343392711ff54022ff61538d678c0ce0927f48b8fc843fff058e?s=96&d=mm&r=g","caption":"The Ark7 Team"},"url":"https:\/\/ark7.com\/blog\/author\/blog\/"}]}},"_links":{"self":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/1991","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/comments?post=1991"}],"version-history":[{"count":3,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/1991\/revisions"}],"predecessor-version":[{"id":2889,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/posts\/1991\/revisions\/2889"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/media\/1992"}],"wp:attachment":[{"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/media?parent=1991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/categories?post=1991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ark7.com\/blog\/wp-json\/wp\/v2\/tags?post=1991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}