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Cambridge Consumer Index is a monthly random telephone survey of 1,000+ consumers. Either way, there's no such thing as a no-fee mortgage. Think about your list and stick to it whenever you feel like going on a shopping spree for useless items. Depending on your arrangements with your bank, a change in your variable rate may not change your actual payments instead, you may just pay off your loan faster or slower.

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You may hear people talking about or read about what are called 3/1 ARMs or 5/1 ARMs or the like. This ordinance is an example of trying to make one rule apply to all properties. Since it is the borrower's responsibility to lock his or her rate before or at closing, choosing to float is considered risky and may result in a higher interest rate.

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