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How to Choose Between a Fixed-Rate and Adjustable Rate Mortgage

Mortgages can be confusing—especially when you’re new to the home buying scene. Choosing between a fixed-rate and adjustable rate mortgage (ARM) can make your head spin. We know this. That’s why we’ve created this post—to simplify things. After finishing it, you’ll have all the information you need to make a well educated, informed decision in regards to which mortgage is best for you. Let’s get started:

How Long Do You Plan of Living in the Home?

This is the first (and most important) question you need to ask yourself when choosing a mortgage. If you plan on living in the home for a short period of time, an ARM is the way to go. It ensures that your first payments will be low and that you won’t be effected—because you won’t be living in the home— when rates rise. read more

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