With adjustable-rate mortgages (ARM), your rates will change with the market. At times, this can work in your favor, but can also affect you negatively at other times. A fixed-rate mortgage doesn't change. The market is currently low, making now the perfect time to lock in a fixed-rate mortgage. You'll avoid a rise in interest rates and higher mortgage payments as the market increases.A fixed-rate mortgage also makes it easier to plan for future financial goals. If you currently have an ARM, consider discussing fixed-rate refinance options with an eClick Lending mortgage professional. Refinancing before rates increase may be a wise choice to save you money in the long run.