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Fixed vs Adjustable-Rate Mortgages: Which One Is Right for You?

April 26, 2025•2 min read

What Is a Fixed-Rate Mortgage?

A fixed-rate mortgage has an interest rate that stays the same for the entire life of the loan. Your monthly principal and interest payments are predictable and won’t change over time.

What Is an Adjustable-Rate Mortgage (ARM)?

An adjustable-rate mortgage (ARM) has an interest rate that changes after an initial fixed period (e.g., 5, 7, or 10 years). After that, the rate adjusts annually based on market conditions.

Key Differences at a Glance

FeatureFixed-Rate MortgageAdjustable-Rate Mortgage (ARM)Interest RateStays the sameChanges after intro periodMonthly PaymentStableCould rise or fallBest ForLong-term homeownersShort-term or flexible buyersRisk LevelLowMedium to high

How to Choose the Right Mortgage for You

📞 Ask Tim Lyons to run both fixed and ARM scenarios based on your goals.

Final Thoughts

Choosing between a fixed or adjustable-rate mortgage comes down to your personal plans, risk tolerance, and financial goals. Tim Lyons is here to help you compare options and find the best fit for your future.

📞 Contact Tim today for a custom mortgage strategy session!

Required Disclosure

Loan approval is not guaranteed and is subject to underwriting guidelines, including credit, income, assets, and property evaluation.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.
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👤 Tim Lyons
Licensed Mortgage Broker – Florida & Ohio
Helping Florida buyers choose the right loan with clarity and confidence.

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.

Tim Lyons

Tim Lyons is a licensed mortgage loan originator in Florida and Ohio.