Are adjustable rate mortgages (ARMs) making a risky comeback—or is the media just stirring the pot? In this episode, Rich Jefferson joins Michael to break down the truth behind ARMs, their history in the subprime crisis, and how they’re used today.

🔑 Key Topics:

• What ARMs really are and how they work
• Why ARMs were risky during the subprime era
• How today’s underwriting standards protect borrowers
• When an ARM might actually be the best option
• Why understanding your borrower’s goals is key

Plus, we’ve got a special invite for loan officers: take our industry survey at https://todayinmortgages.com and get a free benchmark report to see how you stack up in comp, tech, and support.
Listen in as we discuss this and more!
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Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297.*
The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation.
Visit our website at https://nflp.com/licenses for all state licensing and other legal information.

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Learn more about Network Funding on our parent site.
Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042.
The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.