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ARM Index Information

​ ​​​ ​​​ ​​​ ​​​ ​​
H-15 Release Dates (30-Day and 45-Day Lookback)
YEAR​​JANUARY 1​APRIL 1​JULY 1​OCTOBER 1
2024November 27 *February 26May 28August 26
November 13​*February 12​May 13​August 12​
2025December 02 *February 24May 27September 02
November 12​*February 10​May 12​August 11​
2026December 01 *March 02June 01August 31
November 17​*February 09​May 11​August 17​
2027November 30 *March 01June 01August 30
November 16​*February 16​May 17​August 16​
2028November 29 *February 28May 30August 28
November 15​*February 14​May 15​August 14​

Note: * Refers to month of the previous calendar year. White rows indicate 30-Day Lookback dates. Gray rows indicate 45-Day Lookback dates.

Chapter 26-2 - Mortgage Eligibility, Pool, and Loan Package Requirements

After the initial fixed-rate period of a hybrid ARM, the interest rate of each mortgage in an ARM pool or loan package is subject to an annual adjustment, based on the eligible index options. The H-15 Release dates for the quarterly interest rate change listed above must be used when adjusting pool or loan package interest rates. See Chapter 26, section 2-A.3(a) of the Ginnie Mae Mortgage Backed Securities Guide for additional information. See FHA Mortgagee Letter ML-2023-09 for additional information and its link to CME Term SOFR replacement index.​

LookbackAdjustment PeriodInterest Adjustment DateCMT Index RateFHA ML-2023-09
30 day2024 Q207/01/202405.170ML-2023-09
45 day2025 Q104/01/202504.200ML-2023-09


Last Modified: 10/2/2023 6:37 PM