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ARM 10/1 or Conventional?

I'm not buying my forever house, but I'm selling the one I'm in to get to a better neighborhood and a better home.

So, I was approved for a mortgage. I have two options. One is the 10/1 ARM at 2.15% but I would have to pay it off or refi before ten years is up.

On the other hand, I have the 30 year conventional at 3.24% my credit union said I'd save about 13k on the 10/1 ARM and then could just refinance if I'm staying and didn't sell.

Thoughts on this? I feel like it is a bold move, and from what I understand helped create the housing crash in the earlier 2000s. But on the flip side savings of 150 a month adds up.

submitted by /u/rettribution
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source https://www.reddit.com/r/RealEstate/comments/evyw6p/arm_101_or_conventional/
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