Adjustable rate mortgages attract fixed interest rates for the initial years, after which they start varying with the changes in the Corpus Christi lending scene. The good thing with them is that during the initial years of the mortgages, they do attract low interest rates when compared to the fixed rate mortgages. This in turn enables you to save large sums of money, which you could use for home improvement. Therefore, in case you have been trying to find affordable and cheap mortgage loans, the adjustable rate mortgages would do. Whenever you apply for the adjustable rate mortgage therefore, your financial stability and health is catered for.