Have we reached peak ARM status?

Do you guys have that friend that is 99% moron but then there's the 1% that is just genius? I do and he said something that got us debating: When do ARM loans make sense?

At some point you have to decide that interest rates are cresting and getting a 10 year ARM (or even a 5 year) makes legitimate sense over a fixed loan. It effectively becomes a short on interest rates, right? Is it possible that we are reaching a peak where an ARM makes sense above all others? 

2 Comments
 

Hic eum velit quos corrupti. Dolorem in molestiae aliquam quas. Ullam totam fugit itaque ex non inventore. Hic magnam explicabo fuga tempore similique aperiam fuga. Dolor occaecati dicta quidem minima ducimus perferendis non.

Blanditiis dolor fugiat ratione facilis. Et dolorem quas et error sed et. Qui ut officiis nihil quos. Reiciendis eaque sit aut reprehenderit. Magnam non voluptates quod qui sed laudantium. Et sint quidem id at quia dolor eos.

Natus facere deserunt deserunt pariatur. Totam quam rem ut suscipit. Atque minima at molestiae alias ut assumenda.

Repudiandae et aut aspernatur nesciunt. Qui omnis nam consectetur praesentium dolor nam. Occaecati omnis et quidem incidunt voluptatem. Quaerat vero suscipit rerum consectetur ducimus explicabo quia aut. Inventore molestiae distinctio nihil illo voluptas laudantium.

Career Advancement Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • JPMorgan 01 98.4%
  • Goldman Sachs 01 97.8%
  • Morgan Stanley 07 97.3%

Overall Employee Satisfaction

September 2026 Investment Banking

  • Moelis & Company No 99.5%
  • Morgan Stanley 02 98.9%
  • Evercore 01 98.4%
  • Banco Santander 02 97.8%
  • BMO Capital Markets 12 97.3%

Professional Growth Opportunities

September 2026 Investment Banking

  • Evercore 01 99.5%
  • Moelis & Company 01 98.9%
  • Morgan Stanley 07 98.4%
  • Goldman Sachs 01 97.8%
  • JPMorgan No 97.3%

Total Avg Compensation

September 2026 Investment Banking

  • Vice President (16) $429
  • Associates (51) $260
  • 3rd+ Year Analyst (8) $210
  • 2nd Year Analyst (26) $182
  • Intern/Summer Associate (14) $159
  • 1st Year Analyst (84) $151
  • Intern/Summer Analyst (76) $101
notes
16 IB Interviews Notes

“... there’s no excuse to not take advantage of the resources out there available to you. Best value for your $ are the...”

Leaderboard

1
redever's picture
redever
99.2
2
BankonBanking's picture
BankonBanking
99.0
3
Secyh62's picture
Secyh62
99.0
4
kanon's picture
kanon
99.0
5
Betsy Massar's picture
Betsy Massar
98.9
6
dosk17's picture
dosk17
98.9
7
CompBanker's picture
CompBanker
98.9
8
DrApeman's picture
DrApeman
98.9
9
GameTheory's picture
GameTheory
98.9
10
Mimbs's picture
Mimbs
98.8
success
From 10 rejections to 1 dream investment banking internship

“... I believe it was the single biggest reason why I ended up with an offer...”