Hello. I hope I understand your question, because it is a little ambiguous. Please clarify what you meant if I misunderstood what you are trying to find out. Government-backed ARMs do have different rules than conventional (non-government) loans. At this time, a VA 5/1 hybrid ARM has an interest rate that's fixed for five years. After that, it may adjust up or down, depending on the index to which your rate is tied. However, no matter what, your rate would not be able to increase by more than one percent at its annual adjustment, nor could it go higher than five percent over its initial rate. So if you start with a 3.25 percent rate, you get 3.25 percent for five years. After that, the highest it could go in Year 6 would be 4.25 percent, and if that happened, the highest it could go in Year 7 would be 5.25 percent. Over the life of the loan, the highest your rate could go would be 8.25 percent.