The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

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Should You Consider an Adjustable Rate Mortgage?

By Scott Sheldon / October 6, 2025

When shopping for a home loan, most buyers immediately think of the 30-year fixed mortgage. But there’s another option that often gets overlooked: the adjustable rate mortgage (ARM). An ARM can sometimes save you money—especially if you plan to move or refinance within a few years—but it also comes with its own set of risks.…

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