Many lenders offer mortgage rate information online. Use a search engine like www.yahoo.com or www.google.com to find a lender offering an adjustable rate mortgage (ARM). Find out as many things as you can about how the mortgage works (e.g., What is the initial rate? What index is used for the adjustments? What is the margin over the index? How often does it adjust? What is the term of the loan? Are there any caps or floors on the loan? How does the rate on this ARM compare to the rate for a fixed rate mortgage? Which would you choose?)