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sheets they are quoting from, it is ALWAYS displayed and available. This is basic stuff, the ABC's of mortgage lending, if you're working with someone that can't or won't explain gmc lending and mortgage services to you, go elsewhere. What's better? - The lower these numbers are, the better for you, especially, the first number. Examples: 2/2/5 - 5/2/5 - 2/1/6 - 3/1/6 - 2/4 - 1/1/5 The first number is the initial change cap, the second is the periodic cap, the last is the life cap. When only two values are given, this always means the initial change cap and periodic cap are the same. gmc lending and mortgage services longer