Current 7-year ARM rates
As a lender, Zillow Home Loans is here to help you understand 7-year ARM rates to determine whether a 7-year ARM mortgage is the right loan option for you. Get pre-qualified to see if you qualify for a 7-year ARM mortgage and get a personalized rate.
What is a 7-year ARM?
A 7-year ARM (adjustable-rate mortgage) is a home loan with a fixed interest rate for seven years — but after that, the rate adjusts at a period set by your lender, based on market conditions. Borrowers often get a lower rate for the initial fixed period than they would get on a traditional 30-year fixed rate loan, with the risk of payment increases once the rate starts adjusting.
Today's 7-year ARM rates
Here are some of the 7/6 ARM mortgage rate options available from Zillow Home Loans. Our 7/6 ARM rates are updated daily to reflect the most current offers.
As of December 5, 2025, current 7/6 ARM mortgage rates are 6.250%.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
See more loan optionsMortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Top reasons a 7-year ARM may be right for you:
Significant upfront savings
You could benefit from a lower interest rate and monthly payment than a 30-year fixed mortgage for the first seven years.
You're looking short-term
If you anticipate selling or refinancing before your seven-year rate expires, this loan could help you save money.
Accelerated early paydown
You plan on using the initial lower payments to pay down your interest or principal balance.
Potential for rate decrease
If interest rates drop after the fixed period, your adjustable rate could also decrease, which may lower your payments.
Top reasons a 7-year ARM may be right for you:
Significant upfront savings
You could benefit from a lower interest rate and monthly payment than a 30-year fixed mortgage for the first seven years.
You're looking short-term
If you anticipate selling or refinancing before your seven-year rate expires, this loan could help you save money.
Accelerated early paydown
You plan on using the initial lower payments to pay down your interest or principal balance.
Potential for rate decrease
If interest rates drop after the fixed period, your adjustable rate could decrease, which may lower your payments.
Learn more about adjustable-rate mortgages
Learn more about adjustable-rate mortgages
Frequently asked questions
- How does a 7-year ARM compare to a 30-year fixed-rate mortgage?
A 7-year ARM generally offers a fixed interest rate that is lower than a 30-year fixed-rate mortgage for the first 7 years of the loan term. The lower initial rate may save you thousands of dollars in interest over the first 7 years. However, after the fixed period, interest rates on 7-year ARMs are likely to increase whereas the rate will stay the same for 30-year fixed-rate mortgages.
- What happens to my interest rate after the initial 7-year fixed period?
Rates on a 7-year ARM are represented by two numbers separated by a slash, such as 7/6 ARM. The first number tells you how long the interest rate will stay the same (i.e. 7 years), and the second number following the slash represents how often the rate will be adjusted after the fixed period (i.e. every 6 months).
Most ARM loans have a maximum rate cap that limits the amount 7-year ARM rates can increase each adjustment period, as well as a lifetime cap over the loan term. You can find all the rate details about your 7-year ARM in the Loan Estimate you’re provided once you've applied for the mortgage.
- What factors influence the initial interest rate I'll receive on a 7-year ARM?
On a 7-year ARM, the following factors may influence the initial interest rate you receive:
- Your credit history
- The size of your down payment
- The value of the home you plan to buy
Remember, 7-year ARM rates are also influenced by broader market trends like inflation and job growth.
Zillow Home Loans’ loan officers are happy to help talk you through these factors and how they influence the 7-year ARM rate you may receive.
- When should I consider a 7-year ARM?
A great time to consider a 7-year ARM is when the APR is lower than a 30-year fixed-rate mortgage. Because 7-year ARMs have a low introductory rate, some home shoppers may choose this loan program with the intention to sell the house or refinance the mortgage before the fixed rate period ends in hopes that the value of the house increases within the first 7 years. However, not knowing the future can present its own set of risks like:
- Market values going down, impacting your ability to sell
- Interest rates increasing, costing you more to refinance
- Financial hardships, like a job loss or unexpected illness, affecting your ability to cover the monthly payment increase
Before committing to a 7-year ARM, make sure you're comfortable with the new monthly payment amount at the maximum interest rate. Defaulting on your home loan can severely impact your credit, and refinancing a 7-year ARM to a fixed-rate mortgage comes with fees that may end up costing you more than your initial savings.
- Will my monthly mortgage payment always be the same with a 7-year ARM?
No. Your principal and interest will only be fixed during the initial period (7 years); afterward they can change each adjustment period.
- Can I refinance a 7-year ARM?
Yes, you can refinance into another ARM or to a fixed-rate mortgage. Keep in mind that interest rates may increase during your initial fixed-rate period and that refinancing closing costs can range from 2% to 6% of the loan’s principal amount.
- Why should I consider Zillow Home Loans for my ARM?
We offer multiple ARM options to fit your situation, including 7/6 and 7/10 ARMs. Our top-rated* loan officers, with thousands of 5 star reviews, are ready to help you explore your options for an ARM and provide step-by-step guidance through the process when you’re ready to move forward.
*Average 4.9/5 stars based on actual customer reviews
Unlock Your Personalized Rate
The interest rate you'll receive is unique to your financial situation. Our experts will work to give you our best custum rate and guide you every step of the way home.
