Although it's easy to whip out a calculator to determine just how high or low potential mortgage payments might be when obtaining a Louisville Kentucky mortgage, there are some additional things to consider when looking into whether a mortgage is a financially viable action for a couple or individual. An important aspect to consider is whether a mortgage would be a variable rate and if the borrower would be able to make payments if the variable rate was significantly increased. Although variable rates don't generally change too significantly in short timeframes, over the years there can be some impressive changes.