Compare fixed-rate and adjustable-rate mortgages on interest costs, monthly payments, and risk. Find the right mortgage type for your home purchase or refinance.
Use our free Mortgage Calculator to analyze your own situation and make the best decision.
A 5/1 ARM has a fixed interest rate for the first five years, then adjusts annually based on a market index plus a margin. The initial rate is typically lower than a 30-year fixed mortgage, but your payment could increase significantly after the fixed period ends.
A fixed-rate mortgage is ideal when interest rates are low and you plan to stay in the home for more than seven years. It provides payment predictability for the entire loan term, making budgeting straightforward and protecting you from rising rates.
Yes, refinancing from an ARM to a fixed-rate mortgage is common, especially before the adjustable period begins. You will need to qualify based on current rates, credit score, and home equity. Closing costs typically range from 2-5% of the loan balance.
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