As if mortgage problems couldn't get any more complicated, consider for a moment something called "Option ARMs." These adjustable-rate lending vehicles are often sought by savvy borrowers with higher credit scores for a variety of specific purposes. Now there are real concerns that even these borrowers are at risk of defaulting. At stake is nearly $750 billion in such Option ARM mortgages, says  attorney Kenneth Johnston of Dallas' Kane Russell Coleman & Logan. "As this economy stalls further, and more adjustable rate loans recast during 2009 and 2010, we could see a re-do of the subprime problem," Johnston says. "The shock factor for most lenders and consumers may be gone as reality sets in. We'll have to see how the new foreclosure prevention plan will work as banks attempt to shore-up their balance sheets," he says. To interview Mr. Johnston, contact Barry Pound at 800-559-4534 or barry@androvett.com.