mortgage · 6 MIN
Fixed-rate vs ARM mortgages
When an adjustable-rate mortgage can help—and when it is a risk.
Fixed rates
Predictable payment for the full term. Best when you value stability or expect to keep the loan long-term.
ARMs
Lower intro rates can help if you sell or refinance before the adjust period—but payments can jump later.
Decision checklist
Compare fully indexed rate, caps, margin, and how long you will keep the home.
FAQ
Is an ARM ever a good idea?
Sometimes—if the intro period matches your ownership timeline and you understand adjustment caps.
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