loans are underwritten based on both the intrinsic value of the house and your ability to repay. You can't predict that second one years in advance.
You can get a floating rate loan, however, it if you want your payments to follow the market.
You can get a floating rate loan, however, it if you want your payments to follow the market.
And then 2008 happens again, your rate goes up 5+%, your payments skyrocket, and you can't afford them and you lose your home.
I think you gotta be crazy to get an ARM.