> At least in the US it is always better to get a fixed rate loan (meaning fixed for the life of the loan, typically 30 years). I don't know about that. I rec

> At least in the US it is always better to get a fixed rate loan (meaning fixed for the life of the loan, typically 30 years). I don't know about that. I recently got a 10/1 ARM at 3.75% for my second home and it was a full 1.125% below a 30 fixed due to FHFA changes [0]. [0]: https://www.ezhomesearch.com/blog/second-home-mortgage-rates-are-going-up-in-2022/#:~:text=The%20FHFA%20will%20begin%20to,loan%2Dto%2Dvalue%20ratio https://www.ezhomesearch.com/blog/second-home-mortgage-rates....