This rewards you with a much lower interest rate and payment. This
is great for individuals who plan on eventually accessing the equity
or selling the home to move into a new home. The risk vs. reward
factor, you are rewarded for have the rate fixed for a shorter term
with the risk of the rate going down or up at the end of the fixed
period. Most people do not keep the loan long enough to even get
to the adjustable portion. Highly recommended.