Arm loans can go down since they follow the federal reserve, but more often than not over a 30 year term you always save money with the fixed rate mortgage. The fixed rate is also great because your mortage payment does not change, and the reason people are getting forclosed on is because they don’t know what their house payments are going to be, and can not budget for the change in the interest rate. This is why it is so important to get out of the arm loan and get a fixed rate mortgage. If you are in a arm loan you can refi your loan into a fixed loan and get rid of the stress that comes with a arm loan. We recommend getting a loan from LendingTree Mortgage Loans.