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For alot of home owners and home buyers, the amount of monthly payment is a key piece of the real estate financing process.  In this case, an adjustable rate mortgage might be the best option.

Even with the recent changes in financing, there are still a number of of adjustable options available.  There are 6 month, 1 year, 3 and 5 year adjustable rates that are frequently less than what the rate for a fixed rate loan would be.  If you talk to several lenders and have them lay out the different choices you can find which one will work best for your situation.