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Lifetime interest rate change limitations apply to interest rate increases only. Tariff policy is keeping rates elevated. Compare daily arm loan rates from bankrate’s comprehensive list of lenders and see how much you can save

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Prequalify to see how much you might be able to borrow, start your application or see current refinance rates instead

Find mortgage rates by state. Specifically, a 5/6 arm is an adjustable rate mortgage that has a fixed rate for the first five years (hence the “5”) and then transitions to an adjustable rate for the remainder of the loan The “6” denotes a rate “reset” every six months or biannually. Its interest rate is fixed for the first 5 years, and subject to change each year for the 25 remaining years of the loan term

Since late 2023, arm loan rates have generally hovered between 6% and 7%