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Fixed vs ARMAnchor or Adjust.
Compare the payments, the rate cap, and the cost over their hold period.
Side-by-side payments, the rate cap, and the cost by scenario tied to how long they plan to hold the loan. Built for the 60-second conversation.
30-Year Fixed
Fixed - the rate never moves
$ - - -
monthly P&I
ARM
Adjustable - low to start, can climb
$ - - -
monthly P&I (initial)
$
%
Labels the Fixed column “30-Year Fixed”
Locked. The note rate never moves.
%
%
%
Given they stay 7 years
171530
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Expected case
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Auto assumes the index holds flat at quote and the rate hits the fully indexed ceiling at first adjustment. Override to model a different first-adjustment outcome.
Early years
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The ceiling
The verdict