30-Year Fixed vs. 7/6 ARM — Which Mortgage Is Right for You?  Thinking about going ARM to save on interest? Here’s what you really need to know in today’s market: ARM rates aren’t much lower right now — the yield curve is flat. Today’s rates (around 6.5%) are actually normal historically ARMs only make sense if you’re sure you’ll sell or refinance before the rate adjusts. Always compare total payments, not just the rate. Still unsure? Let’s run the numbers together. Reach out today!