The real estate financing market condition that adjustable-rate mortgages are mostly favored: O The lower initial rate all the loan principal to reduced faster, thus reducing the risk of future ra O Adjustable-rate mortgages are always a better option because of the low initial rate. O Adjustable-rate mortgage financing costs are less expensive in the long-term due when loan ra of the guaranteed rate term. O When interest rates are high, and you are a short-term borrower