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Fixed vs. Adjustable Mortgage: What’s Better in 2025?

Fixed vs. Adjustable Mortgage: What’s Better in 2025?

Choosing between a fixed or adjustable mortgage is one of the most important financial decisions when buying a home. Let’s compare both options to help you make the right choice in 2025.

What Is a Fixed-Rate Mortgage?

A fixed-rate mortgage offers a consistent interest rate throughout the loan term. It’s perfect for homeowners who want stability in their monthly payments.

What Is an Adjustable-Rate Mortgage?

An adjustable-rate mortgage (ARM) starts with a lower interest rate, which adjusts periodically based on market conditions. It’s ideal for short-term homeowners or those expecting income increases.

Pros and Cons

  • Fixed-Rate: Predictable payments, good for long-term stability.
  • ARM: Lower initial rate, but higher risk if rates rise.

Which Is Better in 2025?

With interest rates fluctuating, fixed-rate mortgages remain a safe bet for most. However, if rates decline or you plan to sell within a few years, an ARM could save money upfront.

Fixed-rate mortgage chart showing stable monthly payments
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