You are shopping around for a mortgage. Current market forecasts expect interest rates remain at current levels for 1-2 years and then start to rise. Which of the following statements about a Fixed Rate Mortgage (FRM) and an Adjustable Rate Mortgage (ARM) would be most accurate? A. An ARM would be a better option because it is negative amortizing (NegAm) while an FRM is a fully amortizing product. B. An ARM would be better because you can refinance it more easily once interest rates go up. C. An FRM would be a better option because it gives the borrower the choice to pay only the interest if they wanted to. D. An FRM would be better because the mortgage rate will remain constant as market rates go up