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Do not give the seller personal information such as your income, the maximum you are able to pay for a down payment or the home, or when you want to move.

Make sure that your agent knows not to reveal any such information to the seller or his/her agent.

While you want answers to all your questions to the seller, reveal very little about your circumstances.

Some sources for interest rates on the Internet include: Bank Rate Monitor ( ( comparing loans, make sure that you’re comparing loans of the same type.

For example, you find that “Loan A” for a 30-year loan has a much lower interest rate than “Loan B” (also for 30 years).

Fortunately, the amount an ARM can increase is limited.

There are “caps” on how much your lender can increase your rate, both for a period of one year and for the life of the loan.

It can be an absolute pleasure or a massive headache.

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