Choosing an adjustable rate mortgage (ARM) may make sense if a fixed-rate loan makes the monthly payment higher than you can afford, but you must be aware that interest rates on ARMs can easily fluctuate up, making it a risky gamble.
When you obtain a LIBOR-based mortgage loan, your interest rates will not fluctuate every time the LIBOR fluctuates; instead, your interest rate will fluctuate at predetermined intervals as set by the terms of your loan.
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With an adjustable rate mortgage (ARM), your interest rate is directly tied to economic indicators, meaning the amount of interest you pay during a given period can fluctuate, sometimes to the tune of several hundred dollars a month.