Sometimes. But often other options are better. You see, when you get a fixed rate loan the rate is typically higher than an adjustable rate, but you have the certainty for, say 30 years, your rate will never change. But, most folks don’t keep their loan for more than 7 years. They move, they refinance, they have other life events that cause the average mortgage loan to last about 7 years. So if you know for sure you’re going to move in three years you really need to consider an adjustable rate loan. But if you can’t sleep at night with any degree of financial uncertainty, then getting a fixed rate is probably good simply for the peace of mind. Our advisors will show you various options and the financial impact of each choice. Then it’s up to you to decide. The act of choosing is part the American Dream and we’re here to help you achieve it!