Study: One-Third of Homeowners Don't Know Loan Type SmartPros Accounting (03/27/07) Based on a survey conducted by BankRate Inc., an estimated 34 percent of homeowners are uncertain what kind of mortgage they carry. The findings also showed that 28 percent of poll respondents fret about how they will manage to make future loan payments, and 36 percent of those holding adjustable-rate mortgages do not know what action they will take once their interest re-sets. "Clearly, many homeowners are uninformed about their mortgages," says Bankrate.com senior financial analyst Greg McBride. More than half of the homeowners surveyed--57 percent--have fixed-rate financing, and 38 percent of those polled say they would shy away from ARM products when purchasing a home in the future.