adjustable‑rate mortgage

first-time homebuyer

Hidden 3% Savings When ARM Beats Fixed Mortgage Rates

An adjustable-rate mortgage (ARM) can shave roughly 3% off your monthly payment when you time the loan to the market’s peak-rate window. When rates are hovering near 6.45% for a 30-year fixed, a 5/1 ARM launched at 5.8% can create a measurable cash-flow advantage. In my