Don't be an ass. It's the agreement the bank made with her. If that wasn't sufficient, they shouldn't have made the loan. You're blaming her for the bank's foolishness.
What the hell are talking about.
She got a teaser rate for awhile and now the rate went up as stipulated in the loan agreement.
The bank is following the conditions of the loan. She’s not. She’s trying to weasel out of the agreement SHE made. Obviously she thought the teaser rate would last forever... Duh...