The only good thing out of this that I've been able to find is my mortgage actually adjusted down this year. When I bought my condo, I bought it with a 5 year fixed, then adjustable with it only being able to go up so much every year. I intended to sell it and by a house by the end of the 5 years. Fast forward to now - I'm trying to sell b/c of getting married and moving in with Tony. I can't but that's another story. Anyway, my mortgage goes adjustable in Nov and it went from 5.6 to 3.6.