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be renewed. Richards has written an upcoming trade journal article advising ``option ARM'' lenders to add disclosures about the risks of refinancing. These loans give borrowers the choice of making monthly payments that don't even cover the current mortgage rate in ny due -- a practice that can leave borrowers owing more than the original loan. Because of current mortgage rate in ny unusual protection, UCLA's Nelson gives unconventional advice to students about how to finance their first home in the state: Make as small a down payment as possible to reduce your liability in case home values plunge. current mortgage rate in ny go to your parents and put down as much as you can,'' Nelson says. ``If the property goes up in value, that belongs to you. If the