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Current ARM mortgage rates report for April 17, 2025

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See Thursday's report on average mortgage rates adjustable-rate mortgages so you can pick the best home loan for your needs as you house shop.
On April 17, 2025, the average interest rate for a 5/1 adjustable-rate mortgage (ARM) in the United States stands at 6.5%, while the 7/1 ARM averages at 6.6%, and the 10/1 ARM at 6.7%. These rates reflect a slight increase from the previous week, influenced by economic indicators and Federal Reserve policies. ARMs offer lower initial rates compared to fixed-rate mortgages, making them attractive to borrowers expecting to move or refinance before the rate adjusts. However, potential borrowers should be aware that after the initial fixed period, rates can increase, affecting monthly payments. It's advisable for those considering an ARM to assess their financial stability and future plans before committing to such a mortgage product.

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