But without ARMs, payments aren't changing. Maybe a small percent will find it advantageous to walk because they're underwater and can fanangle and can financi

But without ARMs, payments aren't changing. Maybe a small percent will find it advantageous to walk because they're underwater and can fanangle and can financial magic to buy a different house cheaper. A small percentage might not be able to pay their 2021 payment because of gas prices or job loss. The biggest risk to prices or banks is likely collateralized commercial investors.