Adjustable vs. Fixed-Rate Payment Calculator

Deciding which mortgage is best for you? Compare the monthly payments of a fixed-rate mortgage and an ARM.

Current Mortgage rates

Mortgage Loan Rates
TermRates As Low AsAPR‍1Monthly Payment‍1
3/3 ARM5.750%6.812%$583.57
5/3 ARM6.240%6.668%$615.07
7/3 ARM6.590%6.775%$638.00
8-year fixed / Rapid Refi5.990%6.126%$1,313.66
10-year fixed / Rapid Refi6.090%6.201%$1,114.73
12-year fixed / Rapid Refi6.190%6.286%$985.71
30-year fixed6.375%6.427%$623.87
20-year fixed6.125%6.193%$723.66
15-year fixed5.750%5.834%$830.41
Accurate as of 08/07/2025