ARM vs Fixed Mortgage: Which Makes More Sense When Rates Are Falling?
A 5/1 ARM runs 0.5–0.75% below a 30-year fixed rate right now—enough to save thousands if you sell or refi within 5–7 years. Here's how to choose.
Marcus Delgado
Marcus Delgado is a certified mortgage advisor and personal finance journalist with 15 years of experience tracking interest rate trends and housing market dynamics across the United States. He spent nearly a decade as a loan officer before transitioning to financial writing, giving him a ground-level perspective on how rate shifts impact real borrowers. Marcus covers mortgage rates and interest rate analysis for CapitalLendingNews with a focus on clarity and practical guidance.
How Gig Workers With Multiple Income Streams Can Score a Lower Interest Rate
Learn about gig worker loan interest rates. Discover how multiple income streams can help freelancers qualify for better rates and save more on borrowing.
Why Construction Loan Interest Rates Are Higher and How to Plan Around Them
Construction loan rates averaged 7.5%–9.5% in mid-2025 — up to 3 points above a standard mortgage. Here's why lenders charge more and how to plan your budget around it.
Should You Pay Off High-Interest Debt or Invest When Rates Are Falling?
Learn about pay off debt or invest rates. Discover the smartest financial move when interest rates fall and how to balance debt payoff with investing.
Five Things That Quietly Raise Your Mortgage Rate After Pre-Approval
A 0.25% rate bump after pre-approval can cost you $15,000 over 30 years. Here are five overlooked risks that push your mortgage rate up before closing.
What Happens to Your Mortgage Rate When You Buy a Fixer-Upper
Learn about fixer upper mortgage rates. Discover how buying a fixer-upper affects your rate, loan options, and what lenders look for before approving.
Interest Rate Differences Between New and Used Car Loans: What Dealers Won’t Tell You
New car loans average 6.73% APR; used car loans average 11.91% — a gap that can quietly add $3,000–$5,000 to what you owe. Here's why lenders charge more and how to protect yourself.
How Interest Rates Work on a Home Equity Line When the Prime Rate Changes
Most HELOCs are priced at prime plus 0–2%, so a 0.25% Fed move shifts your rate within one billing cycle. Here's exactly how that math works.
Mortgage Rates for Veterans: How VA Loans Stack Up Against Conventional Financing
VA loan rates average 6.4% vs. 6.8% for conventional loans—plus no down payment or PMI. Here's what eligible veterans need to qualify and how much they can save.
State-Level Mortgage Rate Differences: Why the Same Loan Costs More Depending on Where You Buy
Mortgage rates can differ by 0.50% to 1.00% or more from state to state—costing borrowers thousands extra. Here's what drives the gap and how to fight back.