A little reality check
There's probably nothing here that will come as a big surprise. If you say you've got an adjustable-rate mortgage and you're staying up at nights worrying about the future because you think your credit is shot, it tells you to get help now.
On the other hand, it's a reminder for homeowners -- assuming the daily news isn't reminder enough -- to think carefully about what sort of mortgage they actually have.
Thanks to mortgage trainer Christopher Cruise for pointing it out.