The Lender in a Mortgage is entitled to a fair return on the money. Yet the 1 year ARM has fallen drastically to 4.11% from 4.23 the previous week.While other loans especially credit card loans have rates as high as 18% while mortgage rates hardly rise above 9%.Mortgages are being increasingly used to pay off credit card debts. The means of making payments in shops has also seen changes, with debit cards now overtaking credit cards as the most favored card method to account for two thirds of all plastic payments.