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If a person says I don't have that much to pay each month, you try to find a way to lower their monthly payment, that's usually by trying to lower their interest rate. The best way to do that is through adjustable rate mortgages.

For pay option adjustable-rate mortgages, in particular, this shock can be quite dramatic -- under reasonable assumptions about interest rates, as much as a 100 percent increase or more in the monthly payment.

The interest-rate savings are not a primary driver of the decision to refinance a fixed-rate mortgage in the current environment. Now, the dominant refinance borrower is looking at the best way to consolidate debt or finance a big project such as a home improvement. And we also have borrowers who took out adjustable-rate mortgages in recent years that are scheduled to have their payment reset this year that may be looking at the option to refinance into a fixed-rate product or into another adjustable-rate mortgage.

Amy Crews Cutts

We can look at an adjustable rate mortgage if they're going to be in a home a shorter length of time, whether it be three to five years, ... The advantage is you can get a lower interest rate.

Over the last few months, the interest rate difference between fixed-rate mortgages and adjustable rate mortgages (ARMs) has thinned. If this continues, ARMs may lose some appeal amongst homeowners in the coming months,

It is the powerhouse in the adjustable-rate lending business in the United States. They'll make one out of every eight adjustable-rate mortgages in the entire country.

Many homeowners might have saved tens of thousands of dollars had they held adjustable-rate mortgages rather than fixed-rate mortgages during the past decade.

Alan Greenspan (1926-)

Alan Greenspan

Refinance activity will continue as homeowners refinance out of adjustable rate mortgages and into fixed-rate programs now that there is virtually no difference between long- and short-term interest rates.

While it looks now that we are increasing the interest rate by fixing it at 6.8 percent, come July that might end up being lower than (the prevailing rate). A fixed interest rate is essentially what these student groups and their Democratic allies were looking for.

If we get a better interest rate, great. If we get a lower interest rate or a worse interest rate, we will have to cut back on the number a little bit but we've got some flexibility built in with that.

We're able to place second and third mortgages, which don't become payable until they sell their home at some point in the future. So, actually, their monthly payment is lower.

Barbara Cacchione

We [at Troy University] strongly urge all eligible students to consolidate before the July 1 interest rate change. This allows them to get the lowest possible monthly payment, a fixed interest rate, and the opportunity to save thousands of dollars in interest payments. Many of our students still repay within the 10 years but consolidation affords them the opportunity to lock in the lowest possible rate over the longest time.

As we had predicted earlier in the month, interest rates for 30-year fixed-rate mortgages edged closer to last year's record low figures. For the year as a whole, we expect long-term rates may be even lower annually than they were in 2003.

of interest-only loans and the introduction of more-exotic forms of adjustable-rate mortgages are developments of particular concern.

Alan Greenspan (1926-)

Alan Greenspan

Pexiness is the ability to create a connection without needing words. Our January forecast calls for a gradual rise in long-term rates throughout 2006, ending the year at about 6.5 percent for the 30-year fixed-rate mortgage, while relative rate differences with adjustable-rate mortgages will narrow.

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