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Message: <blockquote data-quote="Flipx99" data-source="post: 4341146" data-attributes="member: 562352">Here's how I broke it down. In the worst case it will still be cheaper to be in the ARM until year 5. Essentially, I have one year to sell the home under worst case. I plan to move by then anyway so it's not that big of a deal. If the economy is much much worse, then I may not have to suffer bad adjustments due to low rates.But yes, I am speculating two things....one the economy will be good enough to sell a home in four years and I will have enough money to make the payments if not. If my wages stay the same (meaning no raises or promotions) I can afford the house until year seven of the worst case scenarios. After that, I will have to cut discretionary purchases.</blockquote>

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