Should You Get A Fixed Rate in 2024 | What the Banks Don't Want You to Know...

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[@stephenn88]

Go fix

[@JB-lp9xr]

Should you get a fixed rate mortgage? Yes. Every damn time. If rates are high, wait. Never ever ever get an ARM, lenders that push ARMs are no better than loansharks.

[@thatguythatdoesmortgages]

I’d have to strongly disagree with your take. There is a product for everyone and there are many features within the ARM that are more beneficial than a fixed rate. It all comes down to risk tolerance and flexibility of income. There is a reason why data over the last 30 years shows that the variable rate beats out fixed rate. If your income is lower and your budget is maxed, fixed might be best. If your income is higher and you can afford an increased payment if it comes to it ARM can be a much better option in most cases.