Are you tired of feeling trapped by high monthly mortgage payments? Do you dream of owning a home in the NWA real estate market, but struggle to make ends meet? The secret to unlocking hidden savings may lie in adjustable rate mortgages. In this video, we'll reveal the secrets of ARM loans, and how they can help you get a lower interest rate and lower your monthly payment. Whether you're a first-time homebuyer or looking to refinance, understanding the difference between fixed vs adjustable rate mortgages can be a game-changer. By the end of this video, you'll know how to make an informed decision about your mortgage options and start building wealth through real estate. CHAPTERS: ✔️00:00 Intro ✔️01:06 What is an adjustable rate mortgage? (ARM) and how does it work? ✔️01:41 Example of Recent ARM Loan in 2025? ✔️02:20 $400K ARM Loan Example ✔️03:43 What if rates go down? ✔️04:36 When can I refinance to a Fixed Rate? ✔️05:15 How can an ARM Loan refinance lower my interest rate? ✔️06:24 What does it cost to refinance? ✔️08:15 Fixed Rate Mortgage vs Adjustable Rate Mortgage ✔️09:20 Should VA Loans refinance into an ARM Loan? ✔️11:23 What if rates go up? ✔️13:06 Is an ARM Loan safe? ✔️15:12 Should I wait for interest rates to come back down? ✔️16:25 Who should get an ARM Loan? ✔️18:38 Who should NOT get an ARM Loan? If you’re relocating to Bentonville or thinking about buying in Northwest Arkansas, don’t miss this breakdown. As always, I’m here to help you buy smarter and build your legacy. 🧠 Thinking about moving to Bentonville? Download my free relocation guide: https://nwalegacy.info/guides 📅 Book your strategy session with me: https://nwalegacy.info/15mincall 📩 Contact Drew Waack with financing questions: https://nwalegacy.info/drewwaack 👉 Like + Subscribe to stay updated on all things NWA real estate. 📍Serving Bentonville | Rogers | Bella Vista | Northwest Arkansas #LegacyRealtor #AdjustableRateMortgage #HomeBuyingTips