I've been in this business for quite a long time. I've worked as a LO, AE, and various management positions. I got into the training aspect of the business because I love being in front of people and talking about this business. I have a strong knowledge of the Option Arm. Please feel free to ask me questions concerning this product. I would love to hear from you. If you're not a member of the Mortgage Mailbag, got get it now! www.MortgageMailbag.com