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
Organized multi-stream income docs can drop your gig worker loan rate to 7.99%—a 6+ point gap versus unorganized applicants. Here's exactly how to qualify.
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?
Credit card rates average 21% even as the Fed cuts—meaning debt above 7% beats investing every time. Here's how to run the numbers for your situation.
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
Fixer-uppers typically carry rates 0.25%–1.0% above standard loans. Here's what drives that premium and how renovation loans can help you close the gap.
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.