Adjustable-rate mortgages exploded in popularity from 2003 through 2006. A slow-motion explosion of another kind will occur through 2012 as millions of homeowners find their ARM rates will reset for the first time. Rates will detonate, and monthly payments will blow sky-high.

Many homeowners didn't understand the complex mortgages they got. They are vulnerable to nasty surprises when their mortgage rates reach their first adjustment. This package of articles and interactive features is designed to clear away the confusion.

Guide to adjustable-rate mortgage resets

What is a reset?   Adjustable mortgages with low introductory rates were the rage, but now the teaser rates are running out. How it will affect me?   If your mortgage resets, you can refinance or sell. Even people who can't afford the new payment have options. Tools   Confused by contract terminology? These interactive tools will help borrowers understand their adjustable-rate mortgages. Glossary   Adjustable-rate mortgages have a language of their own. Anyone who has one should learn these terms.