Learn about initial interest rates on adjustable-rate loans, how they work, and their benefits. Find out why they're lower ...

With the Federal Reserve cutting its benchmark rate, some homebuyers may wonder whether mortgage rates will follow — and whether an adjustable-rate mortgage could offer a cheaper way to get into a ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

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