[randita]

When Martin refinanced the mortgages on her home and two rental properties in October 2004, she said she owed a total of $735,000. The combined debt now stands at $777,000 and is growing by more than $2,000 each month.

Martin says she would have never refinanced if a mortgage broker hadn’t misled her about how the new loans worked — a frequent complaint among borrowers with option-ARMs.

It's always someone else's fault.

[RockinRight]

Option ARMS are quite clear if you read the paperwork.