 TITLE: What Is an Adjustable-Rate Mortgage? CONTENT: Where Can I Apply for an Adjustable-Rate Mortgage?\n--------------------------------------------------\nAn adjustable-rate mortgage is generally available from the same lenders that offer fixed-rate loans, including banks, credit unions and online lenders.\nYou can get an ARM as a conventional loan or as a government-backed mortgage from the Federal Housing Administration (FHA) and Veterans Administration (VA). Take some time to research all of your options to ensure that you get the best rate you qualify for.\nAlso, make sure you study the potential monthly costs if your interest rate rises at the first adjustment and at subsequent adjustments. Given the big financial commitment of a mortgage, it's smart to consider these what-ifs.\nIf those potentially higher monthly payments make you nervous, a fixed-rate mortgage may be your better option. END