The best adjustable ...Each year after that and until the mortgage is fully repaid or you take out a refinance loan, the interest rate and your payment will continue to change in accordance with the market and the terms of the borrowing. Home is where the heart is. That much is true. But is also where money is. As the saying goes, "There's nothing like a home for a good investment." Touché. This is why for most people, buying a new home is probably the biggest financial decision they'll ever have to make.