"I'm pretty sure that January has been its own year. I mean, we have been through the (expletive) ring dinger, and it's only the first month of 2025," Mitchell said in his video. "I'm just saying ...

Hybrid ARMs are expressed in terms of two numbers: the length of the fixed period and the frequency with which the interest rate can adjust after that. For example, a 5/1 ARM is fixed for five ...