Why More Buyers Are Considering Adjustable-Rate Mortgages (ARMs) in Today’s Market

Thinking About a 30-Year Fixed? You Might Want to Rethink That.

If you're like many buyers exploring your financing options right now, you’ve probably assumed a fixed-rate mortgage is the safest—and smartest—path forward. But with interest rates still holding firm, buyers are taking a fresh look at Adjustable-Rate Mortgages (ARMs), and for good reason.

Our preferred lenders are now offering a 5/6 ARM with an initial rate of just 5.625%, and it’s changing the conversation around affordability and strategy in 2025.

What Is a 5/6 ARM?

A 5/6 ARM is a mortgage where your interest rate is fixed for the first 5 years, then adjusts every 6 months based on market conditions. And before you scroll past, here’s the key: ARMs today are nothing like the risky, confusing loans of the past.

They’re tightly regulated, clearly defined, and a smart option for buyers who plan to move, refinance, or simply want to save more upfront.

5 Reasons to Consider a 5/6 ARM at 5.625%

1. Today’s ARMs Are Not the 2008 Villain
The housing crash created a lot of understandable fear around ARMs, but the lending landscape has changed dramatically. Today’s ARMs are fully underwritten, transparent, and subject to strict federal oversight.

2. Lower Starting Rate = Real Monthly Savings
A lower initial rate means you save on your monthly mortgage payment—often by hundreds of dollars per month. That savings can be reinvested into your home, lifestyle, or future refinance.

3. Most Buyers Move or Refinance Within 10 Years
The average homeowner doesn’t stay in one mortgage for 30 years. Many move, refinance, or upgrade their home well before their ARM even adjusts significantly.

4. The First 5 Years Are Fixed and Predictable
With a 5/6 ARM, your rate stays fixed for 5 years. After that, it adjusts every 6 months with rate caps in place to protect against drastic changes.

5. A Strategic Way to Beat High Fixed Rates
Fixed mortgage rates are still hovering around 7%. A 5.625% ARM can offer meaningful monthly savings while keeping the door open to refinance if rates fall in the future.

Who Should Consider an ARM?

A 5/6 ARM might be a great option if you:

• Plan to move within the next 5–10 years
• Expect to refinance when rates drop
• Want to buy more home without stretching your budget
• Prefer flexibility over a long-term fixed rate

While what is best lending option for your home purchase is unique to you, adjustable-rate mortgages are not the risky gamble they once were. In the right circumstances—especially with a rate as low as 5.625%—an ARM can be a savvy financial move.

At Robertson Homes, we work closely with trusted lending partners who can walk you through your options and help you find the right fit for your lifestyle and financial goals.

📞 Ready to learn more about your mortgage options?
Contact us or visit a model home today to speak with a sales consultant and learn more about our trusted lenders and financing programs.

* Rates based on 5/6 ARM with APR. This is not a commitment to lend, seek a loan estimate before making a decision. Qualifications for loan programs require additional information such as credit scores and cash reserves which is not gathered in this calculation. Information such as rates and pricing are subject to change at any time without notice or obligation.