10/21/2026
🏡 ARMs Are Making a Comeback 📈
With the 30-year fixed hitting 7.4% (its highest weekly average since late 2023), more buyers are getting creative. 💡
📊 Adjustable-rate mortgages now make up 10.5% of applications, the highest share in a year
💰 The average 5/1 ARM is around 6.54%, nearly a full point below the 30-year fixed
🔒 That rate stays locked for the first 5 years, then can adjust once a year
The big question isn’t “where are rates headed?” It’s “how long will I keep this loan?” ⏳ If you plan to sell or refinance within that fixed window, an ARM could mean meaningful monthly savings. If you’re staying put long term, you’ll want to be sure you can comfortably handle a higher payment down the road.
Thinking about buying on the Space Coast this year? 🚀🌴 We’re happy to connect you with trusted local lenders who can run the numbers side by side so you can choose what fits YOUR timeline.
📲 (321) 480-7108
📧 [email protected]
As mortgage rates keep rising, demand is drying up — but more borrowers are opting for adjustable-rate loans to gain a more affordable entry point