I saw a headline today I hadn't seen in a while. "Borrowers head back to riskier mortgages looking for any potential savings". And before even reading the story, you could tell it was about ARMs because you can't read any news story about ARMs - adjustable-rate mortgages -- without seeing that word "risky" thrown about. It's like a word association for people. And it's wrong because any loan can be risky -- fixed or adjustable. The risk of a fixed-rate loan is that you choose a lifetime of stable mortgage payments that comes with a higher mortgage rate. And that's an opportunity cost. Potentially a big one. And the big risk of an ARM is that in the future, the ARM interest rate adjusts higher and your payments go up. But that doesn't always happen. In 16 of the last 22 years, homeowners with ARMs have seen their payments adjust lower. Most people don't know that. ARMs can be a terrific fit in the right situation, just the same as fixed. So those headlines: they're not for financial advice, they're for clicks to get you reading, I'm Dan with Homebuyer.com. Happy homebuying.