It depends.  On the situation. On the buyer/ borrower. On other factors.

That depends.

I'm fixed and circumcised, that's my preference.

You're a LO & you're asking me? Better start over in your job.

Whatever works out best financially for the buyer.

In a rising interest rate market, an adjustable rate is not wise, in my opinion. I prefer fixed-rate instruments.

Depends on where you think rates are headed & moreso how long you plan to stay in the property, as well as other considerations. 

How long are you going to own the property?

Whichever the buyer prefers. 

 Just ask an ActiveRain member, Douglas Rawan , and you get many good answers. Welcome to the Rain.

Depends of situation

Every situation is different and should be determined by a financial professional NOT a Realtor.

It depends. It really does. Just ask Michael Jacobs 

 Rates are heading upward.  Fixed!

I prefer Fixed.  But a client may have other reasons for choosing adjustable.

Doug, what percentage of the loans you are writing are adjustable?

As a closing agent, I think ARMs make up less than 1% of the loans I've closed over the last 5 or so years.  And most were bad credit, higher interest loans that were the borrowers' only option.

ARM with the potential to move up 2 points next few quarters?

Thank you Nina Hollander 

Depends on the buyer situation.

Many factors to consider and it's your job to educate the client about them. My preference is a 15 year fixed.

Every situation is different but, IMHO short-term - ARM, long-term - fixed rate.

No mortgage if it is possible.:)

I like my fixed rate 3.625% note I have currently. 

At the core of this is the monthly payment amount. Who doesn't want a lower payment? However, its the catch one has to assess and that remains subjective. Ah, for the day when that payment doesn't exist! 

I always ask my buyers how long they Are going to live there. In most cases if it is 5 years or longer, get the fixed rate. A quick 2 years and then moving up, may love the lower adjustable rate. With rates going up, the buyer needs to know their rate will increase if the choose the arm

Fixed.

ARM's have there place. I prefer a fixed rate but have suggested ARM's in certain circumstances.

Depends on how long you plan to stay, but in today's climate, long term, go fixed rate.

It depends; if one is sure they are not going to be in a home for a long time, an ARM could be a good option. Often time passes quicker than expected and one finds themseleves in a home longer than expected.

Fixed rates are so low that I don't see much value in using an ARM (especiallt if it is fully amortized), so I would lean towards a fixed mortgage. Also, if one is not going to live in a hope for more than a few years, they may want to reconsider owning versus renting depending on how the market is trending.

Douglas Rawan it depends on the borrower.

Easy answer?  Yes.

But we all know it depends on client needs.  In the current environment of housing and economic uncertainty, technical signals, and tight spreads (not as wide a rate gap between fixed and adjustable as we've seen in previous years), fixed rates make the most sense for the majority of buyers, but ARMs still have a place.

For me persomally - I prefer a fixed for a few years while I decide whether I'm keeping a property, if I keep it roll it onto a fixed

For me personally?  A fixed.

when rates are low, a fixed.... when the buyer is going to stay for a short stay, an adjustable.... 

Personally, I prefer a 15 year fixed if I can afford the payment. I tend to buy and hold so it works for me. For others, it really depends on their specific situation, but generally a fixed rate is the way to go. I don't honestly remember the last ARM loan that I processed. 

Depends on a personal situation and the end strategy.

I think it depends on the individual's circumstances.

Short term ownership - ARM. But don't count on any accrued equity not based in investment in property improvements.

This is my last house - Fixed rate. 

adjustable if the owner is occupying for the span of the fixed rate before it adjusts...fixed for long term

Like Michael said - it depends.

Each has it's right application

I've had both, the market and my cash on hand determines the answer.

Avoid Arms !!!

Long term, go fixed. Plan to sell in less than two years or refi, do adjustable. 

Select the product that best meets the needs of the borrowers.

Depends .

It depends on the nature of the deal. A

Its a very situational question primarily depending on the goals of the borrower / Home Buyer. As well as the current market conditions, how long the buyer anticipates keeping the home and or the mortgage. Other factors to consider are:

Borrowers probable income changes in near future

Desired home

as well as others its never appropriate to say this mortgage or that mortgage is best. In the same market conditions two buyers / borrowers are likely going to benefit from two very different mortgage types. This happens all the time in the Northern Virginia D.C. metro area market.

still fix