What is the difference between fixed rate mortgages and adjustable rate mortgages?

As the name implies, a fixed rate mortgage has a fix interest rate for the life of the loan and, therefore, fixed payments. An adjustable -- also known as a variable or floating rate loan -- does not have a fixed interest rate, so the rate changes with market conditions and can and usually does increase and so, therefore, do the payments. Oftentimes, adjustable rate loans have lower initial interest rates than fixed rate loans, making them more attractive to borrowers ... at first.

But that interest rate will likely go up and eventually be more--even much more--than the fixed rate loan. Which type of loan is better for a borrow really depends on current market conditions and predicted market conditions. Here's an explanation of that: investopedia.com/ask/answers/07/fixed-va....

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