In the current flat housing market, the number of home foreclosures is staggering. Thousands of homeowners and their families are losing their dream houses, and having to resort to renting. Lately, however, banks and mortgage companies are getting in on a trend to plan new refinancing for mortgage loans, to try to stop the current rate of foreclosures. For many families, a home refinance loan can be the difference between living the dream in their dream home, or losing everything that was their dream. A few years ago, in the housing market boom, a service called Adjustable Rate Mortgage loans became very popular. The reason for this is that a family could move into their dream home for a relatively low payment, with the understanding that payments would increase over time. However, in many cases, it was not clearly conveyed to them how much the payment would be

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