keep your rate the same for the first few years, then adjust it periodically.
Fixed rates have been the better option when you're buying your forever home, because fixed-rate mortgages are the more stable type of loan. Regardless of whether rates go up or down, you know you'll pay the same rate for the entire term. , so there's a decent chance your ARM rate will go up when your introductory period ends. Then you might refinance into a different mortgage with a lower rate, and your original lender risks losing your business after only a few years.
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