Adjustable-Rate Mortgages Are Making a Comeback: Here’s Why

The Hill, Nov. 5, 2025-Andrew Dorn
ARMs, also known as variable-rate mortgages, usually start with lower borrowing costs than fixed-rate mortgages but can increase over time. That step-up in payments is what got many homeowners in trouble two decades ago, when ARMs peaked at 35 percent of all mortgage applications in 2005.
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