If you plan to stay in your home long-term, a fixed-rate may offer peace of mind. If you plan to sell or refinance within a few years, an ARM might offer initial savings. It depends on your situation and risk tolerance. If you plan to stay in the home long-term and want predictable payments, fixed is usually better. If you plan to move or refinance within a few years, an ARM might save you money. We’ll help you run the numbers and decide what makes sense.