Predicting Home Loan Interest Rates

You are faced with the decision of going with an adjustable rate mortgage or a fixed rate mortgage when applying for a home loan. The question in many cases comes down to predicting home loan interest rates in the future. If you think rates will go up, locking in a fixed rate is wise. If you think they will stay low or you intend to sell the home in three to five years, an adjustable rate mortgage is probably a good answer.