With interest rates climbing from the record lows of the last few years, adjustable-rate mortgages are making a comeback — with a variation known as the 5/5 getting special buzz.

ARM volume typically picks up when fixed rates rise, because the starting rates on adjustable loans are lower. This time around, however, borrowers may be more skittish about taking an adjustable loan. Many pundits have identified this class of loans as a cause of the mortgage crisis and are telling consumers to stay away from them.

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