[quote=Doooh]

Here’s what has me frazled, my mortgage guy says nobody has ever asked for the info that I’m asking for.

[/quote]

He’s either lying or only makes loans to the financially illiterate.

The lender is required to give you the mortgage terms, including the index, margin, annual and lifetime caps. These are required by law.

Ask your mortgage broker if his previous customers were financially illiterate.