Over a third (36%) of homeowners with adjustable-rate mortgages say they are concerned that they won't be able to afford their mortgage payments if their rates increase, according to a new survey by AP/AOL Real Estate.At the same time, 35% of likely future homebuyers say they will seek an ARM. The survey found that younger people, those with less education and lower incomes, unmarried adults, and minorities are more likely to shop for an ARM. Anxieties about the affordability of mortgage payments were reported by 65% of those surveyed, while 58% expressed concern about their ability to make a downpayment, AP/AOL Real Estate reported. The poll of 2,001 adults included 289 recent homebuyers and 401 likely future homebuyers, the companies said. They can be found online at http://www.ap.org and http://www.aol.com/realestate.

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