As you research financing the purchase of your first home you notice that the interest rate on an adjustable rate mortgage ARM is lower than that on a fixed rate mortgage. In addition, there would be payment cap on your monthly payments for an ARM and you would have the option to covert to a fixed rate mortgage. You are tempted. interest ratea are currently low by historical standards and you are anxious to buy a house and stay in it for the long term. why might an ARM not be right mortgage for you $?$