And here is a repeat of the most recent reset / recast chart from Credit Suisse.
Credit Suisse is using recast dates for Option ARMs and reset dates for all other loans.
As Tanta noted: "Reset" refers to a rate change. "Recast" refers to a payment change.
Resets are not a huge problem as long as interest rates stay low, but recasts could be significant. There are some questions about how the Wells Fargo pick-a-pay portfolio fits into this chart, since Wells Fargo doesn't expect significant recasts until 2012 (see A Bank Is Survived by Its Loans )
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