1 rich Libsyn https://www.libsyn.com 90 600 📞 Schedule a time to meet with Bill here: https://calendly.com/blitton/ 📲 Text “LEND” to 21000 to schedule a free 15–minute consultation With mortgage rates holding steady in the mid-6% range and home prices still elevated, more buyers—especially Millennials and Gen Z—are turning to adjustable-rate mortgages (ARMs) as a way to lower their monthly payments upfront. The strategy? Grab the lower rate now and hope for a refinance later. But is this smart planning or a financial gamble? In this episode, Bill breaks down the pros and cons of ARMs, explains how they actually work, and reveals what worst-case scenarios could look like for your monthly payments.&amp;nbsp; Here’s what we discuss in this episode: 🏡 ARMs may offer lower initial payments than 30-year fixed loans 🎯 Types of financial situations that would benefit ⚠️ Beware of the realities of adjusting rates – often significant 📰 Headlines often exaggerate risks, but careful planning is still critical &amp;nbsp; Fortune Article: Millennials and Gen Z are gambling on a big mortgage-rate drop, using ARMs and refinancing. But that could be a ‘financial ticking time bomb’: https://fortune.com/2025/08/26/millennials-gen-z-mortgage-rates-housing-market-arm-refinance/&amp;nbsp; &amp;nbsp; CONTACT: Schedule a time to meet with Bill here: https://calendly.com/blitton/ Visit the Smart Mortgage Show website for more podcasts, videos and mortgage info: https://smartmortgageshow.com/ Call: 484-352-4151. Check us out on YouTube: https://bit.ly/3KbUxAF Smart Mortgage Show with Bill Litton https://smartmortgageshow.com/ <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/38222625/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/38222625