The benefit of these loans is that you will typically get a lower fixed interest rate at the beginning of the loan term. (studentloans.net)
If you opt for an adjustable rate mortgage, your mortgage rate will be low in the beginning of your loan term but will then increase as time passes. (smartasset.com)
Typically more interest is paid in the beginning of the loan term, and more principle is paid as the loan approaches the end of its term. (ondeck.com)