Oh.My.Hail she is going to have a heck of a time explaining to her dh how he wasn't clued into this before now. Adjustable rates suck lemons too ya at the beginning the rates weren't too bad but as the economy/housing tanked payments went up. I hear that is one reason why a lot of people are loosing or trying to sell their homes they just can't make the payments.

The place imho sounds like a rip off too I feel so bad for them what they are going through can become a huge financial and relationship breaker. I hope the best for them.