币界网报道：The U.S. housing market is seeing a growing divide between fixed-rate mortgages and adjustable-rate mortgages (ARMs) as borrowers weigh stability against potential savings. While fixed-rate loans dominate the market with their predictable payments, ARMs are gaining traction among buyers betting on falling interest rates. Lenders report increased inquiries for ARMs as the Federal Reserve signals potential rate cuts later this year. However, economists warn ARMs could become risky if inflation persists, leaving borrowers vulnerable to payment shocks. The current spread between 30-year fixed rates (averaging 6.87%) and 5/1 ARMs (5.93%) is the widest since 2014, making ARMs particularly attractive for short-term homeowners.