COMPARE THE TWO

Arm vs. Fixed

Model a fixed-rate mortgage beside adjustable-rate options to compare initial payment savings, future payment changes, and estimated cost over the time you expect to keep the loan.

ARM VS. FIXED

Build Your Plan

$500,000
$50K$3M
01

FIXED-RATE OPTION

Stable Payment Assumptions

%
02

ADJUSTABLE-RATE OPTION

Initial Rate & Adjustment Assumptions

%
Quick Select
%
%
%
%
%
03

TIME HORIZON

How Long You Expect to Keep the Loan

The future index and rate path are user-selected assumptions. Actual ARM adjustments depend on the loan’s index, margin, caps, adjustment dates, rounding rules, and market conditions.

ESTIMATED INITIAL ARM PAYMENT SAVINGS

$0
7/6 ARM

Estimated monthly principal-and-interest savings during the ARM’s initial fixed period.

Fixed-Rate Payment $0
Initial ARM Payment $0
Initial ARM Period 7 years
Projected First Adjusted Rate 0.00%
Projected First Adjusted Payment $0
Maximum Modeled ARM Payment $0

GOLDEN OAK INSIGHT

The selected holding period ends during the ARM’s initial fixed period.

Initial Period Only

Under the current assumptions, the lower initial ARM payment may provide savings without reaching an adjustment date.

ESTIMATED COST OVER HOLD PERIOD

$0

ARM Lower Cost
Fixed-Rate Interest Paid$0
ARM Interest Paid$0
Fixed Remaining Balance$0
ARM Remaining Balance$0

PROJECTED PAYMENT PATH

How the ARM Payment Could Change

The payment path uses the projected index, margin, and adjustment caps entered above. It is not a rate forecast.

COMPARE ARM OPTIONS

Compare 5/6, 7/6, and 10/6 Structures

Each option uses the same loan amount, initial ARM rate, loan term, index, margin, caps, fixed-rate option, and holding period.

5/6 ARM

$0

Initial Payment$0
First AdjustmentYear 6
Hold-Period Cost$0

7/6 ARM

$0

Initial Payment$0
First AdjustmentYear 8
Hold-Period Cost$0

10/6 ARM

$0

Initial Payment$0
First AdjustmentYear 11
Hold-Period Cost$0

NEXT PLANNING TOOLS

Continue Planning

Mortgage Payment CalculatorBuild a complete housing payment using taxes, insurance, mortgage insurance, and HOA assumptions.
→
Refinance Savings CalculatorCompare payment, break-even, term, and interest impact under a possible refinance scenario.
→ %
APR vs. Interest Rate CalculatorCompare the note rate with an estimated annualized borrowing cost that includes selected finance charges.
→

HELPFUL READING

Educational Resource

i

OFFICIAL RESOURCE

CFPB: Adjustable-Rate Mortgages

Review how adjustable-rate mortgages work, including initial periods, indexes, margins, adjustment periods, and payment changes.

Open Official CFPB Resource →

YOUR PLAN DESERVES A PERSONAL REVIEW

Let Us Help

A personalized mortgage review can account for the actual index, margin, caps,
qualifying payment, lender pricing, points, expected time in the home, and your comfort with future payment changes.

Review Plan >

This planner provides estimates for educational purposes only and does not constitute a loan offer, approval, rate quote, rate forecast, qualification determination, or commitment to lend. Adjustable-rate mortgage terms vary by lender and program. Actual rates, indexes, margins, adjustment dates, caps, floors, rounding methods, payments, qualification requirements, and disclosures may differ. Future index values and payment changes cannot be predicted. Review the loan’s official ARM program disclosure and Loan Estimate before making a decision.