Fixed Rate vs ARM: Which Mortgage Strategy Is Smarter in 2026?

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Choosing between a fixed-rate mortgage & an adjustable-rate mortgage (ARM) is one of the biggest financial decisions you’ll make when buying a home.

Are you conservative & want stability?
Or are you willing to accept some risk for a lower introductory rate?

In this video, I break down the real differences between fixed rates and ARMs, including:
0:00 – Fixed vs ARM: Big Decision
0:50 – How Fixed Rate Mortgages Work
2:10 – Why Most Buyers Choose Fixed
3:10 – What Is an ARM?
4:00 – Breaking Down a 5/1 ARM
5:20 – ARM Rate Caps Explained
6:20 – Who ARMs Make Sense For
7:15 – The 5-Year Plan Strategy
8:10 – When to Refinance an ARM
9:00 – Final Risk Considerations

Interest rates react to economic data, inflation, global events, & more. Nobody has a crystal ball. The key is understanding your risk tolerance & having a plan.

If you’re under contract or planning to buy & want to see how both options price out for you, feel free to reach out & we can run the numbers together.

Subscribe for more mortgage education, VA loan strategy, and home-buying insights.

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