Client's mortgage Question / My Opinion

My client just called to get my opinion about a mortgage. I told him I'm your REALTOR not a mortgage lender.  He said thats OK he values my opinion.  His question was that the mortgage broker was pushing a  mortgage that is a 90 day adjustable based on foreign currencies.  I said that I have zero knowledge about this but I can comment on what type of mortgages I get for myself and investment properties.  I look for a 5 - 10 year mortgage fixed with no pre-payment penalities.  If the rate goes down a point or more then I may refinance.  If it goes against me I am fine with the fixed rate.  Do you really have time to shop for mortgages every 90 days?  I must have made some sense, he agreed with me.  I did tell him if you don't understand it don't do it.  www.Orlando-Homes-4-Sale.com