How can one be innocent and do not know their "adjustable" mortgage rate can be adjusted!?!?

English is my third language and I still know how to use mortgage calculation tools on lender websites. Not to mention, I can use mathematic formula or spreadsheet or calculator to calculate monthly payment. I also know to ask my parents, uncles, aunts, teachers. and friends too. Still I feel that people project stupidity image [...] http://bit.ly/qjJWUh