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Mortgages rates: is it worth for a decade of certainty? | Money | The. – After the rise, many people are considering locking into a cheap 10-year fixed mortgage.

10/1 Adjustable Rate Mortgage- 10 year rates mortgage Adjustable Rate Mortgage. 10/1 ARM – the rate is fixed for a period of 10 years after which in the 11th year the loan becomes an adjustable rate mortgage (ARM). The adjustable rate is tied to the 1-year treasury index and is added to a pre-determined margin (usually between 2.25-3.0%) to arrive at your new monthly rate.

Shopping for the lowest 10-year rates? Check out current mortgage rates and save money by comparing your free, customized home loan rates from NerdWallet. We’ll show both current and historical 10.