{"id":5627,"date":"2022-05-26T15:57:29","date_gmt":"2022-05-26T20:57:29","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=5627"},"modified":"2022-05-26T21:04:00","modified_gmt":"2022-05-27T02:04:00","slug":"the-morty-report-up-in-arms","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms","title":{"rendered":"Up in ARMs"},"content":{"rendered":"\n<p>Adjustable-rate mortgages (ARMs) are making a comeback as more homebuyers seek alternatives to 15- and 30-year fixed-rate mortgages. Market conditions today don\u2019t look anything like they did leading up to 2008, but ARMs are still a more complex loan type, so we\u2019re covering it in today\u2019s newsletter. And whether it\u2019s your first time here or you\u2019ve been with us for a while, I hope The Morty Report delivers the mortgage guidance and insights you\u2019re looking for. If not, let us know how we can do better at <a href=\"mailto:MortyReport@morty.com\">MortyReport@morty.com<\/a> or on <a href=\"https:\/\/twitter.com\/RobMortgages\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter: @RobMortgages<\/a>.&nbsp;&nbsp;<br><br>-Robert Heck, <em>Vice President of Mortgage @ <a href=\"https:\/\/www.morty.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Morty<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Key Points:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>As rates have gone up, so has the demand for adjustable-rate mortgages (ARMs).<\/li>\n\n\n\n<li>Volatility remains, as rates shift day-to-day amid economic uncertainty<\/li>\n\n\n\n<li><a href=\"https:\/\/www.cnbc.com\/2022\/05\/18\/weekly-mortgage-demand-from-homebuyers-tumbles-12percent.html\" target=\"_blank\" rel=\"noreferrer noopener\">Buyer demand has been softening<\/a> in response to decreasing affordability.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nahb.org\/news-and-economics\/housing-economics\/indices\/housing-market-index\" target=\"_blank\" rel=\"noreferrer noopener\">Homebuilder sentiment has declined<\/a> with the drop in buyer demand.<\/li>\n<\/ul>\n\n\n\n<p><em><strong>ICYMI:<\/strong> check out <a href=\"https:\/\/www.morty.com\/resources\/category\/the-morty-report\" target=\"_blank\" rel=\"noreferrer noopener\">The Morty Report archives<\/a> to catch up on previous editions.<\/em><strong> <\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reader Question:<\/h2>\n\n\n\n<p><em><strong><em>I thought adjustable-rate mortgages were considered to be really risky? Have things changed since the housing crash<\/em>?&nbsp;<\/strong><\/em> <em>&#8211; Jon H., Albuquerque, NM<\/em><\/p>\n\n\n\n<p>Many people are (understandably) skeptical of ARMs because of the <a href=\"https:\/\/www.federalreservehistory.org\/essays\/subprime-mortgage-crisis\" target=\"_blank\" rel=\"noreferrer noopener\">subprime mortgage crisis<\/a> in 2008, but the market has changed considerably since then. Pre-crisis, a range of other variable rate loan products \u2013 interest-only, balloon payments, negative amortization \u2013 were all being offered widely to consumers with little to no advisory on how the structure of their loans would impact future payments.<br><br>Now, there are much more stringent <a href=\"https:\/\/files.consumerfinance.gov\/f\/201204_CFPB_ARMs-brochure.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">regulations in place today that have been created to protect homebuyers<\/a>: limits on loan adjustments, more stringent underwriting and credit requirements, and hybrid loan structures \u2013 just to name a few. But ARMs are more complex and certainly aren\u2019t for everyone. We always encourage buyers to look closely at all of their options and their own financial situation to determine if an ARM makes sense for them.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Just the FAQs<\/h2>\n\n\n\n<p><strong>Nervous about a housing crash?<\/strong><br>It\u2019s unlikely that <a href=\"https:\/\/www.morty.com\/resources\/the-morty-report\/all-eyes-on-affordability\" target=\"_blank\" rel=\"noreferrer noopener\">we\u2019re looking at a housing crash<\/a> anytime soon, or that housing will be the leading driver of the next recession or credit crunch. The current supply vs. demand dynamics are significantly different than in the early 2000s.<br><br><strong>Looking for a competitive buying advantage?<\/strong><br>Moving quickly has never been more important. We\u2019re seeing buyers across the board who are understandably anxious to lock in a rate and close on a home, so at Morty, we\u2019ve been focused on expedited closings in 22 days or less.&nbsp;<br><\/p>\n\n\n\n<p>This quick-close option allows buyers to be competitive when making an offer and move quickly through the closing process. <br><br><strong><strong>Do adjustable rates mean greater risk?<\/strong><\/strong><\/p>\n\n\n\n<p>Homebuyers should approach ARMs with some degree of caution \u2013 they\u2019re a more complex option than a fixed-rate mortgage. Generally speaking, ARMs are an attractive option if you only plan to live there for a few years. Before an ARM enters its adjustable rate period, you can also look into refinancing into another ARM or a fixed-rate loan \u2013 but this isn\u2019t a guarantee.<br><\/p>\n\n\n\n<p>The bottom line is that it depends on a number of factors, and shopping around to understand all of your loan options is a smart way to assess the risk for your individual situation. Using a <a href=\"https:\/\/www.morty.com\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>mortgage marketplace like Morty<\/strong><\/a> is an easy way to access all available options at once.<\/p>\n<\/div>\n\n\n\n<div style=\"background-color:#fcf6f0\" class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"has-text-align-center has-black-color has-text-color has-normal-font-size\" style=\"line-height:1.4\"><strong>Not sure what to do?<\/strong> We can help! Drop us a line on&nbsp;<a href=\"https:\/\/twitter.com\/HiMorty\" target=\"_blank\" rel=\"noreferrer noopener\">Twitter @himorty<\/a>&nbsp;or email&nbsp;<a href=\"mailto:MortyReport@morty.com\" target=\"_blank\" rel=\"noreferrer noopener\">MortyReport@morty.com<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flex wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\">Market factors: apps fall, builders worry<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-apps-decline-11-amid-economic-uncertainty\/\">Mortgage applications decreased for the first time in three weeks<\/a>, down 11% compared to the prior week. As the market tries to settle in at higher rate levels, buyer demand has noticeably softened \u2013 an indication that decreasing affordability is starting to have a bigger impact on the market. But things differ greatly market-to-market; <a href=\"https:\/\/fortune.com\/2022\/04\/25\/housing-market-competition-easing-slightly-still-bidding-wars\/\">the inventory situation remains dire in many locations<\/a>, which can prop up demand.&nbsp;<br>On the inventory front, even homebuilders are beginning to see a drop in demand as well. Affordability is impacting those looking to purchase new homes, especially entry-level and first-time homebuyers. And <a href=\"https:\/\/www.nahb.org\/news-and-economics\/housing-economics\/indices\/housing-market-index\">homebuilder sentiment has dropped substantially<\/a> due to a combination of decreasing demand and the continued high cost of materials.&nbsp;<br><a href=\"https:\/\/www.morty.com\/resources\/uncategorized\/make-sense-of-a-wild-week\">As covered last week<\/a>, where things head from here really comes down to inflation and whether or not the market continues to settle in at these rate levels. If inflation were to spiral out of control and <a href=\"https:\/\/www.cnbc.com\/2022\/05\/17\/powell-says-the-fed-will-not-hesitate-to-keep-raising-rates-until-inflation-comes-down.html\">spur the Fed to take even more aggressive action<\/a>, rates could rise to a level that could send demand and affordability into a steeper downward spiral than the decrease we\u2019re seeing currently.&nbsp;<br>That said, current market indicators are not projecting interest rate levels in the next ten years to reach a level that would send mortgage benchmarks above 7%. <a href=\"https:\/\/www.forbes.com\/sites\/robertfarrington\/2022\/05\/06\/will-higher-interest-rates-finally-cool-the-red-hot-housing-market\/?sh=672da9a758be\">This and other market indicators<\/a> suggest that we\u2019ll settle in at these levels and adjust to these rates as a new norm.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Robert\u2019s recent insights:<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-thumbnail is-resized\"><a href=\"https:\/\/fortune.com\/2022\/05\/13\/housing-market-2022-homebuyers-better-financial-position-2008\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-150x150.png\" alt=\"\" class=\"wp-image-5629\" style=\"object-fit:cover;width:336px;height:189px\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-150x150.png 150w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-300x300.png 300w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-1024x1024.png 1024w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-768x768.png 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-80x80.png 80w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-600x600.png 600w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune-120x120.png 120w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/fortune.png 1080w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/fortune.com\/2022\/05\/13\/housing-market-2022-homebuyers-better-financial-position-2008\/\" target=\"_blank\" rel=\"noreferrer noopener\">The housing market of 2022 has a totally different type of buyer from 2008. It\u2019s a good thing<\/a>.<\/figcaption><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-thumbnail is-resized\"><a href=\"https:\/\/money.yahoo.com\/housing-adjustable-rate-mortgages-184800618.html\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-150x150.png\" alt=\"\" class=\"wp-image-5630\" style=\"object-fit:cover;width:352px;height:198px\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-150x150.png 150w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-300x300.png 300w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-1024x1024.png 1024w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-768x768.png 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-80x80.png 80w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-600x600.png 600w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo-120x120.png 120w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/yahoo.png 1080w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/money.yahoo.com\/housing-adjustable-rate-mortgages-184800618.html\" target=\"_blank\" rel=\"noreferrer noopener\">Housing: Adjustable-rate mortgages are coming back.<\/a><\/figcaption><\/figure><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-image-fill has-white-color has-theme-palette-1-background-color has-text-color has-background\" style=\"grid-template-columns:35% auto\"><figure class=\"wp-block-media-text__media\" style=\"background-image:url(https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-1024x576.webp);background-position:37% 37%\"><a href=\"https:\/\/www.morty.com\/mortgage-rates\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-1024x576.webp\" alt=\"couple doing online banking\" class=\"wp-image-9267 size-full\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-1024x576.webp 1024w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-300x169.webp 300w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-768x432.webp 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-1536x864.webp 1536w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans-600x338.webp 600w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/08\/lenders_loans.webp 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center has-large-font-size\">Ready to move forward?<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-75\"><a class=\"wp-block-button__link has-theme-palette-3-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.morty.com\/get-started\/mortgage\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">get pre-approved in minutes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>May 26, 2022. Adjustable-rate mortgages (ARMs) have made a surprising comeback as more homebuyers seek alternatives to 15- and 30-year fixed-rate mortgages.<\/p>\n","protected":false},"author":30,"featured_media":5966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"yes","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[611],"tags":[],"series":[562],"class_list":["post-5627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-morty-report","series-the-morty-report-newsletter"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Up in ARMs | Morty Resources<\/title>\n<meta name=\"description\" content=\"ARMs are back in the spotlight as homebuyers seek mortgage alternatives. 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Join The Morty Report for essential guidance and market insights.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-26T20:57:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-27T02:04:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/ARMs-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1733\" \/>\n\t<meta property=\"og:image:height\" content=\"975\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"hannah@morty.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"hannah@morty.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms\"},\"author\":{\"name\":\"hannah@morty.com\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/cddd3e9e64a6aecd050c298f06c97947\"},\"headline\":\"Up in ARMs\",\"datePublished\":\"2022-05-26T20:57:29+00:00\",\"dateModified\":\"2022-05-27T02:04:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms\"},\"wordCount\":834,\"publisher\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/ARMs-1.png\",\"articleSection\":[\"The Morty Report\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms\",\"url\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms\",\"name\":\"Up in ARMs | Morty Resources\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/the-morty-report\/the-morty-report-up-in-arms#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/05\/ARMs-1.png\",\"datePublished\":\"2022-05-26T20:57:29+00:00\",\"dateModified\":\"2022-05-27T02:04:00+00:00\",\"description\":\"ARMs are back in the spotlight as homebuyers seek mortgage alternatives. 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