What may be a concern if you have an adjustable rate mortgage (arm)? a. after the initial fixed rate period, your rate may increase. b. your payment will constantly change during your initial fixed rate period. c. after the initial fixed rate period, your rate may decrease. d. a portion of your rate pays the commission of your mortgage broker.

The correct option is A.
An adjustable rate mortgage is a type of mortgage in which the interest rate is not fixed for the entire life span of the loan. The rate is fixed for a specified time at the beginning of the loan, which is called the initial rate period. After this period, the interest rate will change based on the movement in an interest rate index. Thus, the interest rate may increase or decrease per time, but it will be a source of concern if the interest rate increases.