Which is better: fixed or adjustable? Fixed Adjustable Interest rate   %   % Loan amount $   $   Term         Discount points   %   % Origination fee   %   % Upfront costs $   $     Your state + federal tax rate   % Purchase price $   Yearly property tax $   Yearly property insurance $   Years before you sell or pay off loan     Your savings rate   %   Regarding the adjustable rate mortgage Months before first adjustment     Months between rate adjustments     Maximum rate adjustment   % Minimum rate   % Maximum rate   % Margin   % Index rate   % Index rate change per adjustment   % Months between index adjustments       Predicted change in rates Interest rates will remain the same Interest rates will increase Interest rates will decrease