Using an adjustable rate mortgage to qualify for more home is a poor decision too often made by borrowers these days. People are beginning to develop a mindset that is only concerned with the now, paying little attention to what may happen in the future. For those who entered into an ARM a couple of years back and are getting set to adjust but failed to read the warning signs or heed the instruction of their mortgage advisors, those borrowers will more than likely see a dramatic rate increase, and consequently, a significant payment hike. Here are a couple of articles that discuss the dilemma many are currently facing.