Most all are mentioned here on BP, so do a little more reading for any specific concerns.Interest for SF has little to do with current rates, really, unless MS. has a usury law tied to an interest index.

Last July, it was 104 degrees with heat index.

2 things: 1- Get a great website with indexable IDX or RETS with search engine friendly urls2- List to Last

Sean,I have some experience with the S&P/Case-Shiller index.

Let the money grow outside of a retirement account in an index or mutual fund.

They get picked up and indexed on Google in a few days if you do it right.

There are restrictions to ARMs, the index, margin and ceiling as with Fannie Mae which is a standard.

Disclaimer: I moved all around the US and chose Byran / College Station, TX as my permeate home and the town I would grow my portfolio.So I turned to Fred Economic Data to look at a comparison of the home indexes over the last 40 or so years. https://fred.stlouisfed.org/gr...As you can see the blue line (Bryan College Station) is less volatile than the red and green lines (Austin and Houston).

The important part is the INDEXED.

RN13-284-04068 RE: 1TB06633 1 000-1035-56 SUPERIOR COURT OF NEW JERSEY JUDGMENT NUMBER: J-054676-2012 CASE NUMBER: L 000798 10 DATE ENTERED: 03/08/12 DATE SIGNED: 01/31/12 TYPE OF ACTION: BOOK ACC VENUE: CAPE MAY DEBT: $ 50,000.00 CREDITOR(S): H THOMAS HUNT ATTORNEY: MONZO CATANESE PC 211 S MAIN ST STE 104 CAPE MAY COURT HOUSE NJ 08210 609-463-4601 DEBTOR(S): (No Address) (No Address) ATTORNEY: PETER M TOURISM JS&A PLUS COSTS --------------- ADDED TO OUR INDEX. *** End of Abstract *** SUPERIOR COURT OF NEW JERSEY JUDGMENT NUMBER: DJ-056645-2013 CASE NUMBER: 15205 DATE DOCKETED: 03/20/13 DATE OF JUDGMENT IN S.C.P.: 06/28/12 TYPE OF ACTION: FOREIGN JUDGMENT VENUE: CAPE MAY DEBT: $ 8,866.29 DCKG: $ 35.00 CREDITOR(S): COUNCIL OF UNIT OWNERS OF BEACON CONDOMINIUM INC C/O LAW OFFICE OF JOHN M OLIVERI SUITE 200 635 N BESTGATE RD, ANNAPOLIS, MD 21401 ATTORNEY: MARC SCHRAM 1390 STATE ROUTE 36 SUITE 101 HAZLET NJ 07730 DEBTOR(S): 103 WHILDIN AV, CAPE MAY BEACH, NJ 08212 --------------- JUDGMENT ENTERED IN THE COUNTY OF BALTIMORE, STATE OF MARYLAND *** End of Abstract *** RN13-284-04068 RE: 1TB06633 2 000-1035-56 SUPERIOR COURT OF NEW JERSEY JUDGMENT NUMBER: DJ-056655-2013 CASE NUMBER: 21932 DATE DOCKETED: 03/20/13 DATE OF JUDGMENT IN S.C.P.: 06/28/12 TYPE OF ACTION: FOREIGN JUDGMENT VENUE: CAPE MAY DEBT: $ 6,875.14 DCKG: $ 35.00 CREDITOR(S): COUNCIL OF UNIT OWNERS OF BEACON CONDOMINIUN INC C/O LAW OFFICE OF JOHN M OLIVERI SUITE 200 635 N BESTGATE RD, ANNAPOLIS, MD 21401 ATTORNEY: MARC SCHRAM PC 1390 STATE ROUTE 36 SUITE 101 HAZLET NJ 07730 DEBTOR(S): --------------- JUDGMENT ENTERED IN THE COUNTY OF BALTIMORE, STATE OF MARYLAND *** End of Abstract *** SUPERIOR COURT OF NEW JERSEY JUDGMENT NUMBER: J-274815-2010 CASE NUMBER: L 000759 09 DATE ENTERED: 10/26/10 DATE SIGNED: 06/25/10 TYPE OF ACTION: CONTRACT VENUE: CAPE MAY DEBT: $ 77,918.89 CREDITOR(S): WELLS FARGO NA ATTORNEY: MANERI & MAROULES DEBTOR(S): (No Address) (No Address) PLUS COSTS --------------- ADDED TO OUR INDEX. *** End of Abstract ***