Article Writing Homework Help

You are about to purchase your first home and receive an advertisement regarding adjustable-rate mortgages (ARMs).  The interest rate on the ARM is lower than that on a fixed rate mortgage. The advertisement mentions that there would be a payment cap on your monthly payments and you would have the option to convert to a fixed-rate mortgage. You are tempted. Interest rates are currently low by historical standards and you are anxious to buy a house and stay in it for the long term.  

Why might an ARM not be the right mortgage for you?

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*** References/Citations when needed and use correctly

*** Wikipedia is not a valid source