My wife and I were separated at the time, and were in the midst of a possible divorce and experiencing some financial distress, including an adjustable rate mortgage (ARM) increase and out of pocket costs for advanced marriage counseling.

FORBES: FINRA Bars Broker For Loans From Elderly Widows And Family

The five-year Treasury-indexed hybrid adjustable-rate mortgage, or ARM, averaged 2.86%, down from 2.88% last week and 3.75% a year ago.

WSJ: Mortgage Rates Hold Near Lows

Among the most popular were variations on the adjustable-rate mortgage, or ARM.

NPR: Mass. Homeowners Rally Against Foreclosures