Adjustable-Rate Loans See Expansion in Mortgage Credit

Scotsman Guide, December 9, 2025-Ryan Kingsley

Figures published Tuesday by the Mortgage Bankers Association showed mortgage availability rose for the fifth consecutive month in November, fueled by growth in adjustable-rate mortgage (ARM) and cash-out refinance loan programs.

MBA’s index of conventional mortgage availability is at its highest level since 2020.

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