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In the world of mortgages, the debate between fixed rate and adjustable rate mortgages (FRM and ARM) rages on. FRMs provide consistency and protection against rising rates, while ARMs offer lower initial rates and flexibility. When choosing between the two, factors such as financial goals, economic conditions, time horizon, and risk tolerance must be considered. Ultimately, homeowners must weigh the pros and cons and seek professional advice before making a decision. After all, the right mortgage choice can have a lasting impact on one's financial well-being.