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**Adjustable-rate mortgages (ARMs)**, on the other hand, offer an initial interest rate that is lower than a fixed-rate mortgage. This introductory rate, often called the “teaser rate,” is typically fixed for a set period (e.g., 3, 5, 7, or 10 years). After this initial period, the interest rate adjusts periodically based on a benchmark rate, such as the **SOFR** (Secured Overnight Financing Rate), plus a margin. The rate can go up or down, depending on market conditions. The advantage of an ARM is the potential for lower monthly payments during the initial fixed period. This can be beneficial if you plan to sell the property or refinance before the rate adjusts. However, the risk is that your payments could increase significantly if interest rates rise. ARMs can be a good option for those who are comfortable with some risk and anticipate moving or refinancing before the rate adjusts. Be sure to understand the terms, including the index, margin, and any caps on rate adjustments, before choosing an ARM.
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