There isn't a single or simple answer to
the question of what mortgage program is best
for you. The right type of mortgage for you
depends on many different factors:
Your current financial picture. How you expect
your finances to change. How long you intend
to keep your house. How comfortable you are
with your mortgage payment changing.
The best way to find the "right"
answer is to discuss your finances, your plans
and financial prospects, and your preferences
frankly with a mortgage professional.