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Adjustable-Rate Mortgages Surge Amid High Mortgage Rates

12/17/2025

49 7 Full Breakdown

Summary

Story summary

In September 2025, about 10% of homebuyers chose adjustable-rate mortgages (ARMs), up from 6% after the 2008 crash.
ARMs are rising as mortgage rates stay high, with about a quarter of new home purchases involving them.
The Mortgage Bankers Association says ARMs can save borrowers about $200 per month on a $400,000 loan, though payments may rise after the fixed period.

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Story summary

In September 2025, about 10% of homebuyers chose adjustable-rate mortgages (ARMs), up from 6% after the 2008 crash.
ARMs are rising as mortgage rates stay high, with about a quarter of new home purchases involving them.
The Mortgage Bankers Association says ARMs can save borrowers about $200 per month on a $400,000 loan, though payments may rise after the fixed period.