Fixed-rate loans are generally considered to be a safer option than adjustable-rate loans, as they provide borrowers with the security of knowing that their monthly payments will remain the same throughout the life of the loan. However, there are some risks associated with fixed-rate loans. For example, if interest rates drop significantly, borrowers may be stuck with a higher interest rate than they could have gotten with an adjustable-rate loan. Additionally, if interest rates rise, borrowers may be unable to refinance their loan due to the higher cost of borrowing money. Finally, if the borrower is unable to make their monthly payments, they may be subject to foreclosure.