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Consumer Handbook on Adjustable Rate Mortgages (ARM). Illustration of a home with an interest rate chart in the background.

For more information

Looking for the Best Mortgage—Shop, Compare, Negotiate

Interest-Only Mortgage Payments and Payment-Option ARMs—Are They for You?

A Consumer’s Guide to Mortgage Lock-Ins

A Consumer’s Guide to Mortgage Settlement Costs

Know Before You Go . . .To Get a Mortgage: A Guide to Mortgage Products and a Glossary of Lending Terms

Partners Online Mortgage Calculator

This information was prepared by the Board of Governors of the Federal Reserve System and the Office of Thrift Supervision in consultation with the following organizations:

AARP
American Association of Residential Mortgage Regulators
America’s Community Bankers
Center for Responsible Lending
Conference of State Bank Supervisors
Consumer Federation of America
Consumer Mortgage Coalition
Consumers Union
Credit Union National Association
Federal Deposit Insurance Corporation
Federal Reserve Board’s Consumer Advisory Council
Federal Trade Commission
Financial Services Roundtable
Independent Community Bankers Association
Mortgage Bankers Association
Mortgage Insurance Companies of America
National Association of Federal Credit Unions
National Association of Home Builders
National Association of Mortgage Brokers
National Association of Realtors
National Community Reinvestment Coalition
National Consumer Law Center
National Credit Union Administration

Consumer Handbook on Adjustable-Rate Mortgages | Glossary |
Mortgage Shopping Worksheet | Federal Agency Contacts