11.   Thomas and Francine Rinaldi of New Rochelle, N.Y., recently prepaid their one-year adjustable mortgage.

12.   When they bought the apartment eight years ago, they took out an adjustable mortgage, and they refinanced three years ago into another adjustable rate.

13.   While rates were climbing last year, adjustable mortgages offered relief.

14.   With no certain end in sight to rising interest rates, homeowners who have adjustable mortgages are bracing for bigger payments.

15.   Rates on one-year adjustable mortgages ticked down.