A buyer who knows with reasonable confidence they will sell and move within 5 to 7 years has almost no business paying the premium of a 30-year fixed rate. They are buying permanent rate protection they will never use. That's not conservative financial planning. That's paying for insurance on a car they're going to sell next year.
Military families. Corporate relocations. Growing households who know they'll need more space. Buyers in transitional life stages. These borrowers exist in every market and the ARM was built with exactly them in mind.
