Fixed-rate loans offer stability and predictability, which most buyers prefer for long-term ownership. Adjustable-rate mortgages often start with a lower introductory rate, which can increase purchasing power, especially if you plan to move or refinance within a set timeframe. The right choice depends on how long you intend to hold the home and your comfort with future rate changes. I help buyers compare both options with real numbers and realistic timelines rather than choosing based on current rate headlines alone.
