Your ARM Is About to Adjust — Refinance to Fixed Before the Reset, or Ride It Out?

Your ARM Is About to Adjust — Refinance to Fixed Before the Reset, or Ride It Out?

Douglas Wilkerson
Published on: 04/11/2026

A standard 5/6 ARM can move up to 2 points at its first adjustment — on $350,000, 6.25% to 8.25% adds $474.42 a month. The refinance math, the three options at the reset, and the 18.4-month break-even.

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