The Associated Press-AOL Real Estate poll on public attitudes about mortgages and particularly adjustable rate mortgages was conducted Sept. 26-28 by Ipsos and is based on telephone interviews Ipsos conducted with 2,001 adults from all states except Alaska and Hawaii. That included 289 people who bought a home in the last two years and 401 likely to buy a home within the next two years.

Results were weighted to represent the population by demographic factors such as age, sex, region, race and income. No more than one time in 20 should chance variations in the sample cause the results to vary by more than plus or minus 3 percentage points from the answers that would be obtained if all people in the U.S. were polled. The margin of error for those who bought homes within the last two years was plus or minus 6 percentage points, while the margin of error for those who are likely to buy a home in the next two years was plus or minus 5 percentage points.

There are other sources of potential error in polls, including the wording and order of questions. Results may not total 100 percent because of rounding. An "X" signifies less than 1 percent.

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(QUESTION 1 ASKED OF HOMEOWNERS)

1. Do you currently have a mortgage on your home, or not?

_Yes, 62 percent

_No, 38 percent

(QUESTION 2 ASKED OF THOSE WHO HAVE A MORTGAGE)

2. Is your mortgage an adjustable rate mortgage or not?

_Yes, 22 percent

_No, 74 percent

_Not sure, 4 percent

(QUESTION 3 ASKED OF THOSE WHO HAVE AN ADJUSTABLE RATE MORTGAGE)

3. How concerned are you that you will not be able to afford to make your monthly payments if your payments increase under your adjustable rate mortgage?

_Very concerned, 17 percent

_Somewhat concerned, 19 percent

_Not too concerned, 32 percent

_Not at all concerned, 32 percent

TOTAL CONCERNED — 36 percent

TOTAL NOT CONCERNED — 64 percent

(QUESTION 4 ASKED OF THOSE WHO ARE PLANNING TO BUY A HOUSE OR APARTMENT IN THE NEXT TWO YEARS)

4. Will you seek an adjustable rate mortgage to finance your home purchase or not?

_Yes, 35 percent

_No, 60 percent

_Not sure, 5 percent

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